• Consulting with you about which chapter (7 or 13) is best
  • Analyzing your qualification for Chapter 7 under the Means Test
  • Planning exemptions
  • Explaining the bankruptcy process from start to finish
  • Being available to answer questions throughout your bankruptcy
  • Preparing the petition and all schedules and other documents
  • Attending the meeting of creditors with you
  • Responding to trustee or creditor communications and advising you regarding any questions
  • Reviewing and advising you about Reaffirmation Agreements
  • See our FAQs page for the cost of these services
Bankruptcy form with money and calculator


There are some matters that arise so rarely but that become so time consuming that the quoted fee does not cover them. These are:

  • Motions for relief from the automatic stay. This occurs when a creditor wants permission from the court to repossess or foreclose on property such as a car or house. If you are behind in your payments and are not in Chapter 13 with a plan to repay the deficiency there is really no defense.
  • Motion to avoid judgment lien. If you have judgments against you they can be avoided (removed) from your house. This requires filing a motion to avoid the lien. There is an additional fee for doing this.
  • Adversary proceedings. An adversary proceeding is a lawsuit within the bankruptcy. Creditors sometimes object to discharge of the debt owed to them. The grounds for this are usually (1) that a debt was incurred fraudulently (you lied on a credit application); (2) you caused injury while under the influence of drugs or alcohol; or (3) you willfully and maliciously caused injury. There are other grounds but these are the most common. In addition a creditor or the trustee may object to your discharge in general. This usually occurs when the trustee believes a debtor is hiding property or has not been completely honest in his bankruptcy.

 Should You Find You Need a Lawyer, Steve Chambers Can Help

Chapter 7

  • Preparing all schedules, statements and other documents necessary for a complete filing
  • Attending the meeting of creditors
  • Responding to inquiries from the Bankruptcy Trustee
  • Negotiating reaffirmation agreements
  • Filing one amendment (exclusive of court imposed fees). Further amendments are at additional cost.

Chapter 13

  • Preparation of all schedules, statements and other documents necessary for a complete filing
  • Preparation of Chapter 13 Plan
  • Attending the meeting of creditors
  • Responding to inquiries and objections from the Chapter 13 trustee or creditors
  • Amending the plan as necessary
  • Attendance at confirmation hearing (if necessary)



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