AFFORDABLE AND FLEXIBLE PAYMENT PLANS

We obviously understand the financial problems and constraints that individuals and families are enduring during a financial crisis. In addition to charging low flat fees that are affordable and reasonable to file your bankruptcy petition, we will also work with you on a payment schedule that fits your budget.

Our low flat fees vary depending upon the complexity of the case. In many cases, we are able to start working on a Chapter 7 bankruptcy case with as little as a $100.00 down payment. All attorney fees, however, must be paid in full before your bankruptcy case is filed. As a result, we advise and recommend that you pay the full flat fee as soon as possible.

Because in almost every Chapter 7 bankruptcy case, our flat fees and all required court costs amount to less than 10% of the amount a client is discharging in his or her bankruptcy, paying the full flat fee and all costs over a relatively short period is rarely problematic. Our low flat fees for Chapter 7 Bankruptcy filings typically range between $1,250.00 and $1,500.00 depending upon a number of issues, which include but are not limited to the following: the number of creditors, whether the person wishing to file for bankruptcy is a salaried employee or is self-employed, and whether or not those wishing to file own real property. We will need to discuss the details of your financial situation before we can determine the total attorney fees for your case. Small business bankruptcies are evaluated on a case-by-case basis.

If you would like an exact quote, please fill out the FREE Online Consultation Form, submit it to us and we will call you within 24-48 hours. If you choose to set up an initial consultation, we charge $50 to sit down with you can answer all of your questions concerning bankruptcy and educate you on how creditor harassment can be stopped. This fee is applied to the bankruptcy fee should you decide to go forward.

We can typically begin a Chapter 13 Bankruptcy petition with as little as $1,500.00 down as an initial payment. The balance of the flat fee payments can be made after your Chapter 13 bankruptcy petition is filed.

The Federal Bankruptcy Court charges a $299.00 filing fee for Chapter 7 bankruptcy cases and a $274.00 filing fee for Chapter 13 bankruptcy cases. These fees must be paid prior to filing your bankruptcy petition. The new federal bankruptcy code also requires pre-filing credit counseling before your case is filled. The flat fees for this court-mandated credit counseling is typically ranging from $30.00 to $50.00. You will also be required to participate in another credit counseling after your bankruptcy petition is filed. The fees for this second post-filing bankruptcy counseling requirement are also typically about $50.00. The post-petition counseling, however, does not need to be done and the fees do not need to be paid until as long as eight weeks after the bankruptcy is filed.

We will explain this mandated counseling requirement to you in detail and provide you with a list of credit agencies providing this counseling that is endorsed by the federal bankruptcy court. Both credit counseling sessions can be done online at your convenience based upon your availability and schedule.

When you hire our law firm, we immediately begin work and undertake legal responsibility on your behalf. Our legal work requires much more than just preparing your bankruptcy petition. For example, creditors must be contacted, communication with the Bankruptcy Court must be maintained, and the trustee must be satisfied that your case is being handled properly. Taking care of these issues only comes with experience and exposure to the bankruptcy system and the Bankruptcy Court. The Law Offices of Keith Moskowitz has the expertise, knowledge, and experience to ensure that you receive the best representation throughout the bankruptcy process.

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