Paying for bankruptcy

Bankruptcy protection is a powerful tool that is provided for by law, but it’s also very complicated. By some accounts, as many of 28% of people who file without an attorney will have their cases dismissed without having the debts discharged. Trying to navigate this process without representation could be a lot of time and money spent, with nothing to show for it.

One of the reasons people often consider representing themselves in bankruptcy is because bankruptcy attorney fees must be paid before filing a chapter 7 case. That’s because those attorney fees are an unsecured debt, which means that it would be wiped out by the bankruptcy. Even your bankruptcy attorney can’t violate the automatic stay on collecting debts to ask for payment, once the case is filed.

This is one of the reasons I offer a free consultation on bankruptcy matters. Timing is everything in bankruptcy, and I can provide advice about when and how to prioritize your debts leading up to filing for bankruptcy protection. Many people are able to set aside the amount of bankruptcy legal fee and be ready to file once the timing is best for their own circumstances. If you’re concerned that you cannot afford a bankruptcy attorney, call Selby Legal before making any decisions.