By: Michael Jaafar
Restrictions apply for a $0 down bankruptcy and this may not be offered in your state. The decision to hire a bankruptcy attorney is an important one and should not be done solely based on price. The fee that our firm charges for a chapter 7 is decided on a case by case basis, and varies based on several factors including the complexity of the case and the work involved. When doing a $0 down bankruptcy, it adds to complexity and effort on our part if the attorney fees are not fully paid prior to the case being filed. For that reason, we offer all of our clients a discount if they pay all of the attorney fees prior to filing the case. So a Debtor should only take the $0 down option in cases of emergency. We encourage all debtors to be patient, and pay the entire attorney fee prior to filing, so they can pay a reduced attorney fee. Furthermore, we reserve our $0 down to file for chapter 7 cases. Chapter 13 cases usually will not be offered on a zero down basis.
In some instances, debtors cannot afford to pay their attorney and/or the bankruptcy court filing fee. The bankruptcy code has a solution for them. If a debtor is eligible (see below for details), they can file an Application to Have the Chapter 7 Filing Fee Waived (Form 103B). To see this form, you can download it on the courts website at Application to Waive the Filing Fee.
these are the 4 criteria a debtor must meet before filing this application:
This is the most crucial element of the 4 elements discussed here. To determine whther you are below 150% the line of poverty, you must check the U.S. Department of Health and Human Services (DHHS) website. The line is different depending on your household size.
When you fill out the form, there are many important questions, and you must answer them all honestly. The ask you questions about how much you paid an attorney to help you with the case, and whether you have filed bankruptcy before, and other important questions.
When you hire Fairmax Law to help you with your bankrutpcy, our attorneys fill out this application for you for no extra charge. Be careful before doing this yourself. Everything you file with the court is filed under penalty of perjury. And if you make a mistake on the form, you may have the application denied, and possibly have your bankruptcy discharge denied.
So consult with one of our attorneys to determine whether you are eligible to have the $335 filing fee for chapter 7 waived.
This article is not meant as legal advice, and Bankruptcy is very complicated depending on every persons overall financial situation. So, if you are considering any chapter of the bankruptcy code, is it called one of our attorneys for a free, same day consultation. To learn more about Chapter 7 or Chapter 13 Bankruptcy, the federal government has excellent information about it on their website at http://www.uscourts.gov/services-forms/bankruptcy Fairmax Law™ is a Service of Jaafar Law Group PLLC and is a designated debt relief agency that helps clients file bankruptcy under the federal bankruptcy code.
This article is not meant as legal advice, and chapter 13 is very complicated depending on every person’s overall financial situation. So, if you are considering any chapter of the bankruptcy code, is it called one of our attorneys for a free, same day consultation.
To learn more about Chapter 13 Bankruptcy, the federal government has excellent information about it on their website at http://www.uscourts.gov/services-forms/bankruptcy/bankruptcy-basics/chapter-13-bankruptcy-basics
Fairmax Law™ is a Service of Jaafar Law Group PLLC and is a designated debt relief agency that helps clients file bankruptcy under the federal bankruptcy code. These disclosures are required pursuant to federal law, and they are here for your protection. https://www.fairmaxlaw.com/required-disclosures-and-information-about-bankruptcy/
Also, please read the following disclosures before contacting our firm or making any hiring decision, as this is an advertisement.
All legal services are provided by in house employees or affiliated and related entities. Please contact us if you have specific questions on a state or entity.
Jaafar Law Group PLLC, a Michigan Professional Limited Liability Company d/b/a Fairmax Law registered in MI; Jaafar Law Group PLLC, a Michigan Professional Limited Liability Company d/b/a Jaafar Law Group PLLC in OH.
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