Fees

One of the concerns regarding bankruptcy is the cost. In the larger scheme of things, the cost really is not that much; but to an individual on the brink of broke, it is huge. Here are our costs for the typical bankruptcy. These rates are very comparable for quality work in Idaho with an attorney. I will warn that too much variation should raise some flags to quality. Some lawyers charge considerably less, pushing bankruptcies through like cattle to the slaughter, and the process ends up just as messy.

Initial Consultation: $0.

The initial consultation, typically over the telephone, is free. There are no costs to you. Feel free to contact us with any questions you might have.

Ch. 7 Bankruptcy – Filing: $335.

The filing fees do not go to the attorney and are for the filing of the bankruptcy with the court. In rare circumstances, these fees can be waived.

Ch. 13 Bankruptcy – Filing: $310.

The filing fees do not go to the attorney and are for the filing of the bankruptcy with the court. In rare circumstances, these fees can be waived.

Ch. 11 Bankruptcy – Filing: $1,717.

The filing fees do not go to the attorney and are for the filing of the bankruptcy with the court. In rare circumstances, these fees can be waived.

Ch. 12 Bankruptcy – Filing: $275.

The filing fees do not go to the attorney and are for the filing of the bankruptcy with the court. In rare circumstances, these fees can be waived.

Ch. 7 Bankruptcy – Attorney: $800.

This is a flat fee to file the bankruptcy. This will cover the filing fee and credit report, the remainder applies to attorney fees. Every case is unique and has its own needs, so each case has different final costs. Typical Ch. 7 case costs between $1,200 to $2,200 in total attorney fees. Reaffirmation Agreements, negotiations, stay issues, claims, all could add costs to your case.

Ch. 13 Bankruptcy – Attorney: $800.

This is a flat fee to file the bankruptcy. Just like Ch. 7 this will cover the filing fee and credit report with the remainder applying to attorney fees. The rest of the attorney fees, depending on the size of the plan, are generally paid as part of the Ch. 13 Plan.

Ch. 11 & 12 Bankruptcy – Attorney fees are on a case by case basis and determined at consultation. Attorney Fee in cases – $175 per hour, $75 for paralegal.

Credit Counseling: $15, for pre-filing course and $9 for the post-filing course.

This fee is not paid to our law firm or attorneys; you will pay it directly to the credit counseling agency. While we never touch this money, you should be aware of this expense, whether you file Ch. 7, 11, 12, or 13.  In terms of speed, value, and ease, I personally recommend www.accessbk.org for the pre and post-filing courses.

Other Fees

There are other fees associated with modifications of a bankruptcy. These are not required with every bankruptcy, but may arise under certain circumstances. I list them just so they are not a surprise. Typically, most of these are the fees the court requires for filing the documents associated.

Amendment: $45.
This is when all the information is not provided initially and something new has been found that must be included in the bankruptcy. With an amendment arising from our mistake, we will not charge the filing fee of the amendments but we will still be required to obtain your signature on the amendments.

Conversion: $25.

Converting a Ch. 13 bankruptcy to a Ch. 7.  Converting a Ch. 7 to a Ch. 13 is free.

341 Hearing Reset: $75 per instance, $150 if less than 24 hour notice.

Clients are required to appear at a 341 Hearing after filing a bankruptcy. It is a court set date that neither the attorney nor client have a say about. This is the cost to reschedule such a hearing.

Lien Lift for Dwelling/Vehicle: $250 each lien.

If proceedings have advanced to a state in which a lien is already in place, then there is extra work that must be done within the bankruptcy to remove these liens.

Entry of Appearance: $136.

Typically done to stall a judicial proceeding in order to gain more time to file a bankruptcy.