Bankruptcy comes in two flavors!

• If you Kwalify for Chapter 7, expect to pay attorney fee plus court cost of $900 - 1200 plus $335 Court cost to file in Court, and $500 - 1200 after filing.
• If you Kwalify for Chapter 13, it's a 3-5 year repayment plan. Fees are set by the Court usually around $4500, usually no money down, paid along with your other creditors.

Example: Your Chapter 13 plan might pay $1350 a month in payments for around $800 a month!  including attorney fees by reducing interest and amounts paid to unsecured creditors: you get 90% off your credit cards and med bills, tax free, if you complete your 36 month Chapter 13:

Vehicle balance $14,000 at 5% over 30 months = $528.67 (reduced from $650)

Credit cards/meds of $20,000 at big discount 90% off, only $2000 no interest = $55.55 (reduced from $400)

Past due IRS from last year $4000 at 9% $166.84 (reduced from $300)

Attorney fee $4500 no interest over 36 months = $125

So your Chapter 13 payment is $407 every two weeks.

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