File Fast Bankruptcy – Frequently Asked Questions

How Much Does it Cost to File a Chapter 7 Bankruptcy?

Typically, Parker & DuFresne, P.A. charges an attorney fee of $2,000 to represent a debtor in a Chapter 7 bankruptcy from beginning to end. This fee can vary, either upward or downward, depending on your individual financial circumstances.

Our File Fast option allows you to pay only costs of $400 ($430 for joint) (filing fee, credit report, and credit counseling) prior to filing your case. Upon filing, you will execute an agreement to pay $250 per month for 8 consecutive months by automatic deduction from your designated bank account.

We also have a Discounted Option, where you can save $500 if you pay the entire attorney fees of $1,500 plus $400 ($430 for joint) in costs prior to filing. If you pay up-front, we save the cost of monitoring monthly payments, and we pass that 25% savings on to you.

Fees and costs subject to change without notice. Please contact us for details at 904-733-7766.

Can I Pay My Chapter 7 Attorney’s Fee in Installments?

Historically, bankruptcy judges have required debtors to pay their entire attorney fee prior to filing bankruptcy. Judges have determined that a lawyer who collects any part of his bankruptcy fee after the bankruptcy filing is attempting to collect a pre-bankruptcy debt that is automatically included in the bankruptcy. This has caused undue hardship on many consumers who need to file bankruptcy right away but do not have the entire attorney fee available.

HOWEVER, based upon a ruling by a local bankruptcy judge, Parker & DuFresne is now offering an option to consumers to file a bankruptcy even before the bankruptcy attorney fee is paid.

Do I Have to Qualify for the Installment Option?

Yes, you do, but it’s easy. You just have to provide proof of employment or receipt of other regular monthly income, and you must have a bank account. You must also authorize us to withdraw the monthly installment from that account.

Do I Have to Select the Installment Option?

No, you can pay our entire attorney fee prior to filing the Chapter 7 bankruptcy.

Do You Offer an Installment Option for Chapter 13 Bankruptcy?

Yes, we do. The Bankruptcy Code allows a debtor to pay attorney fees after the Chapter 13 bankruptcy is filed. So, we have very flexible options for the payment of Chapter 13 attorney fees.

What are the Other Costs to be Paid Prior to Filing a Chapter 7 Bankruptcy?

You must provide your last three (3) years of tax returns to the Chapter 7 Trustee who will oversee your case. If you do not want to track down your complete tax returns for the last three tax years, we can do it for you at no additional charge! You must pay only the $13 charge by the IRS to order a tax transcript directly from them. This will substitute the need to find all those tax returns.

In summary, you can get your Chapter 7 bankruptcy filed for as little as $400 in costs, with no up-front attorney fees!

Client Reviews
I was provided with a free consultation and was given great advice. I would definitely recommend Chip Parker to anyone who needs assistance with financial law. Meagan
Chip's law firm helped me through the bankruptcy process with ease. The staff was always willing to answer questions and ensured that their answers were provided in a timely manner. A great firm to represent you. Kevin
Mr. Parker and Mr. DuFresne along with their staff went the full mile to help my wife and I through some tough financial difficulties. They take great pride in doing what thy do and I would recommend them to anyone. Robert
Chip Parker autographs his work with excellence. Finding an attorney with real integrity in today's world of law is not an easy task. Chip believes in balancing the scale of Justice and removes the blind fold so the injustices are clearly seen. Thanks for all the good you and your firm achieve. Joy
I took a very complex problem to Chip, and he spent a generous amount of time outlining specific options. Chip has an amazing ability to grasp the important issues and quickly narrow down the key points. He is the best person to have on your side. Phenie