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Filing Bankruptcy When You Are Broke

Columbus Georgia Bankruptcy Lawyers

Filing for bankruptcy when you are broke is not impossible. It just implies that you have to do lot of work by yourself. It is not difficult to find bankruptcy attorneys who can help with preparation of petition and filing of case at the bankruptcy court without demanding any down payment for services rendered.

 

What is a No-Cost Bankruptcy?

 

Credit counseling has been made mandatory for filing any type of bankruptcy. Thus if you can show that you are unable to pay credit counseling fee due to authentic reasons, most agencies can waiver their fee. Ensure that you get your credit counseling from approved credit counseling agencies which are listed in the Resources section of the US Trustee website. Locate one agency in your neighborhood and enquire about fee waiver. With the help of a financial counselor get you financial situation assessed and determine the type of bankruptcy that you would be best suited to your situation.

 

Under normal circumstances, filing a bankruptcy petition should be accompanied by a bankruptcy filing fee of $299 for a chapter 7 bankruptcy. But if you are truly unable to pay, you can include a fee waiver application along with your bankruptcy petition. There are certain criteria that are assessed prior to court granting you a fee waiver. To qualify for a fee waiver your income must be lesser than 150% of poverty line (official) for your family size. Your income is assessed to see whether it would suffice if you are allowed to pay the fee in quarterly installments. The official form to apply for a fee waiver is the form -3B which can be downloaded from the Resources section.

 

So it is possible to get credit counseling and bankruptcy filing fee waived but there still remains the4 cost of actually filling the petition. A bankruptcy attorney can help you with this but you would have to pay him for his services and even if they do not demand an up front payment, they will not file your papers until their dues are cleared. You can try to file in on your own after going through form specific instructions that are provided by court. You can even approach the public library that would give you access to free resources and also would contain detailed explanations with regard to filling of forms and filing bankruptcy petitions. The US Trustee website contains detailed instructions for forms in the Resources section.

 

Going about a bankruptcy single handedly without professional help is not impossible but in order to ensure that your case is not dismissed due to any small error it is wise to approach a professional. You can negotiate with the bankruptcy attorney and include his fee as part of debts that have to be discharged.

 

If you are searching for no cost Columbus GA bankruptcy attorney or interested in Chapter 7 or Chapter 13 even need a Bankruptcy lawyer, then we can help.

 

Our Chapter 7 - Chapter 13 bankruptcy lawyers handle debt relief cases in and around Columbus, Fort Benning, Chattahoochee County and Muscogee County.