$500 Bankruptcy Lawyer in New York City

If you are having trouble making ends meet it’s important to find value in every purchase you make, and this includes your bankruptcy assistance. Like anything, you get what you pay for, but when it comes to finding a bankruptcy attorney you don’t have to sacrifice cost for quality in New York City. Our firm maintains a 100% Chapter 7 bankruptcy discharge record as of 3/4/2014 having never had a case dismissed in New York City and we start most of our cases for only $500 up front. Since every case is different we can’t quote an exact price before a consultation, but that being said it’s not uncommon for a client to pay around $1000 for either a Chapter 7 or Chapter 13 case in up front legal fees. Our firm also pays for a comprehensive 3-bureau credit report with public records search at no additional cost and shows clients how to take free credit counseling courses.

If you need to file Chapter 7 your legal fees will be needed in full prior to your bankruptcy filing, but many attorneys including our firm will accept payment installments and may even start taking creditor calls with the very first payment. This will provide some immediate relief, and will give you the peace of mind and the space needed to come up with the rest of the funds and prepare yourself for a better life after bankruptcy. With a Chapter 13 case your legal fees will be wrapped up into your repayment plan meaning you can get started without having all of your legal fees paid up front as they will be returned to your attorney in monthly payments from the trustee.

Many of our clients save money on their bankruptcy by offsetting their legal costs with FDCPA claims against especially aggressive creditors. We encourage all of our prospective clients to keep every collection letter sent to them and to bring them to the initial bankruptcy consultation. Collections agencies often do not even realize the violations they are racking up in their illegal debt collections practices. The more letters our clients have the better chances they have of encountering a violation from a creditor. About 1/5 clients have a “golden ticket” so to speak, and each violating letter is worth $1,000.

To be clear, filing fees are in addition to legal fees. A Chapter 7 currently costs $306 and a Chapter 13 is $281 to file in New York City. Filing fees and legal fees still come to less than $1,400 combined for many clients with the most common Chapter 7 case running $1306. We understand the importance of working with an affordable bankruptcy attorney and do our best to provide reasonable prices without comprising quality for our clients. Bankruptcy is not a free ride, but it is the best way to get back on your feet after serious financial difficulties. The cost of the bankruptcy should not be the deciding factor to filing. If you’re having trouble paying your bills or have creditors calling you day and night please contact the Law Office of William Waldner online or at 212.244.2882 to arrange a free bankruptcy consultation today. We only practice bankruptcy law and maintain a 99% Chapter 7 bankruptcy discharge record in New York City as of 8/31/16.

**** DISCLAIMER: This article is intended for educational purposes only. By reading no attorney-client relationship has been created. Our current perfect track record for Chapter 7 discharges in New York City does not guarantee we will accept every bankruptcy case nor does it guarantee future cases we do accept will have similar results.