Best Consumer Protection Lawyers in Plano, TX

The short answer is: Yes we do offer payment plans! The Court rules for this can be complex, so we have to thoroughly understand your situation before we can give you the details on a payment plan. Contact our office for a free one-on-one consultation with an attorney to get an idea of how a payment plan would work in your case. We can also give you an idea over the phone if you want information before committing to the free consultation.

First things first: The Court charges a $335 filing fee for filing a Chapter 7. Our Cost: We are required to run a credit report for you which runs $33 for a single filer and $66 for a joint filing Attorney Fees: We typically charge anywhere from $1100 to $1800 for the attorney fee portion of the case. Thus the overall cost is around $1500 to $2,200 depending on the complexity of your case. We will be happy to give you an idea on price if you give us a call. The overall price would be set after the initial consultation.

A reaffirmation agreement is used for secured debt, mainly mortgage and car loans. It means that despite the Bankruptcy, this particular piece of personal liability will go on as normal. The reaffirmation agreement is a separate document signed by both the lender and yourself after the case is filed. Generally the lender will send us the reaffirmation agreement with the terms of your loan. We will then fill out the income and expense info from your Bankruptcy schedules. Next, we send the document to you to sign. After that, you return it to our office. Finally, we return it to the lender for filing with the Court. The reaffirmation agreement will help your score after the Bankruptcy as it is an account that is reported as current even after the case (so long as you make the payments). It is a good mechanism to rebuild your credit after the Bankruptcy is finished.