How To Find an Affordable Bankruptcy Attorney Near You

Struggling to pay debts and living expenses can feel overwhelming. You may be considering bankruptcy for debt relief. But how can you afford the filing fee and attorney costs?

You’re not alone in this concern. Many filers can’t afford bankruptcy attorney fees easily. Even affordable lawyers typically cost between $1,200 and $2,500. The good news? You have several options for finding affordable legal help.

Where To Find an Affordable Bankruptcy Lawyer

Worried about the cost of hiring a bankruptcy lawyer? Here are proven options to explore:

• Contact a local legal aid organization for help with your Chapter 7 case. These nonprofits assist low-income individuals with civil legal matters. You may qualify for free or low-cost legal help.
• Search for local legal clinics at public libraries or community centers. Many offer free legal help clinics.
• Check your local bankruptcy court website for resources. Some courts provide excellent local resources for filers. Use this online court finder to locate your court.
• Visit the American Bankruptcy Institute’s bankruptcy resources for low-income filers. You can search by state for specific help.
• Search your state bar association website. These professional organizations provide resources for individuals seeking legal help. You can find contact information for bankruptcy lawyers in your area.
• Browse the National Association of Consumer Bankruptcy Attorneys (NACBA) website. NACBA is a national organization for consumer bankruptcy lawyers handling Chapter 7 and Chapter 13 cases.

Practical Ways To Afford Attorney Fees

Found an attorney you’d like to hire? Here are practical ways to make the fees more affordable:

• Borrow from family or friends. Some filers ask trusted loved ones to lend them money. Clearly communicate that repayment likely won’t happen until after bankruptcy completes. Setting expectations up front helps preserve relationships.
• Stop making payments on dischargeable debts. Some people stop paying credit cards or medical bills that bankruptcy will eliminate. They redirect that money toward attorney fees. Keep in mind that missing payments could lead to lawsuits or wage garnishment. Your credit score will also take a hit.
• Ask about payment plans. Many bankruptcy attorneys offer flexible payment arrangements. These plans let you break fees into smaller monthly payments. Payment plans help you manage costs over time.
• Use your tax refund or lump-sum funds. If you expect a tax refund or other windfall, consider using it for attorney fees. Planning your filing around receiving these funds can help avoid borrowing.

Other Ways To Save Money on Bankruptcy

Legal fees aren’t the only bankruptcy expense. You’ll also pay a filing fee and course fees for two required bankruptcy courses.

The court filing fee is $338 for Chapter 7 and $313 for Chapter 13. Course fees range from $10 to $50 per course.

Many people qualify for fee waivers for both court filing and course fees. You can also apply to pay the court fee in installments if needed.

If you need help getting started, you can speak with a bankruptcy attorney for free to discuss your options.

Questions To Ask Potential Bankruptcy Attorneys

Finding the right bankruptcy attorney requires asking the right questions. A free consultation gives you an opportunity to evaluate potential lawyers.

Here are helpful questions to ask during consultations:

• Do you primarily handle bankruptcy cases? Attorneys who focus on bankruptcy have greater familiarity with local courts, trustees, and procedures.
• Which type of bankruptcy is right for me: Chapter 7 or Chapter 13? The attorney’s response helps you understand your options. You’ll learn why one might suit your situation better.
• What are your fees, and what’s included? Ask clearly about all costs involved. Make sure you understand what the flat fee covers. Know if anything extra will cost more.
• Do you offer payment plans or other affordable options? Since financial hardship often leads to bankruptcy, flexible payment arrangements matter. Know your options up front.
• Will you personally handle my case? You want to know exactly who you’ll be working with. Feeling comfortable with your attorney matters.
• What documents will I need to provide? Understanding your responsibilities up front helps you prepare. Staying organized makes the process smoother.
• What potential issues might arise in my case? A good lawyer will explain concerns or possible problems. They should demonstrate understanding of your unique financial situation.
• What happens after I file? How long will the process take? Knowing the typical timeline and key milestones helps you stay confident. Understanding what to expect reduces anxiety.
• How can I reach you with questions? Good communication is essential. You’ll want to know how responsive and accessible your lawyer will be.

Remember, you’re looking for an attorney who makes you feel supported and comfortable. Meeting with more than one bankruptcy lawyer is perfectly okay.

Do You Need a Lawyer To File Bankruptcy?

You aren’t legally required to hire a lawyer for bankruptcy. Many people successfully file Chapter 7 bankruptcy on their own.

Having an attorney on your side can be helpful in certain situations. Legal advice and representation matter more in complex cases.

Many people choose to hire an attorney when:

• They have significant non-dischargeable debts like recent tax debt or alimony.
• They’re married and want to file jointly with their spouse.
• They’ve moved recently and aren’t sure which exemptions apply.
• They own a home or have expensive assets that aren’t covered by exemptions.
• They decide to file Chapter 13 instead of Chapter 7.

Getting Help With Your Chapter 7 Bankruptcy

If you have a simple case, you may be able to get free help. A bankruptcy attorney can guide you through several steps of the bankruptcy process.

The bankruptcy process typically includes:

• Completing the credit counseling course
• Filling out and filing the bankruptcy forms
• Completing your debtor education course
• Attending the meeting of creditors

Most Chapter 7 filers complete their bankruptcy cases within 4 to 6 months. They receive the bankruptcy discharge and can start fresh.