How Much Does it Cost to File for Bankruptcy in New Jersey with a NJ Bankruptcy Lawyer

Sep 26, 2018 | Bankruptcy

Just how Much Will it Cost to File for Bankruptcy in NJ with a NJ Bankruptcy Lawyer?NJ Attorney to fill chapter 13 bankruptcy 500 down

Everybody planning to file for bankruptcy needs to understand how much it’ll cost. Bankruptcy comes at a time when money and credit may be in low supply for the person planning to file for bankruptcy, this realty is clear and hard to miss. You could believe you are too broke to file for bankruptcy. But if you want to file with a lawyer. It is possible to file bankruptcy on a payment plan.  This goes for both chapter 13 and chapter 7 bankruptcies.

In case you are trying to file a chapter 7 bankruptcy, you will either have to primarily have debts related to a business or will need to qualify based on your income for the last 6 months.  If you are filing for a chapter 13 bankruptcy, you may be limited by the amount of money you owe.

You must pay the US Bankruptcy Court Costs for submitting your petition for bankruptcy when you have savings, or a job. If you are receiving food stamps, are unemployed, or receiving other public assistance you may qualify for the fee to the courts to be waived. Currently, the fees are for filing a chapter thirteen bankruptcy are $313 and the fee for submitting a chapter seven bankruptcy is $338. These fees aren’t to be mistaken with attorney fees. The money for filing goes straight to the court.

Without the assistance of a lawyer, you could make several errors that may ultimately guide cause your bankruptcy to fail. Less than 1/3 of all chapter 13 bankruptcies that are filed are finished successfully. |If you your bankruptcy is dismissed, you can normally attempt to file again, but if you did not get it right the first time, you probably won’t get it right the second time without an attorney helping you.

New Jersey Bankruptcy Court Fees

Costs linked with filing a bankruptcy circumstance are charged by the New Jersey Federal Bankruptcy Court. The Tribunal charges these fees to cover the administrative costs they incur when your case is submitted. This payment differs depending on what Chapter of bankruptcy you plan to record. The filing fee for Chapter seven bankruptcy is now $ 338, while the submitting fee for chapter 13 is $313.

Other fees include credit counseling classes. ($40). The two bankruptcy debt counseling classes that must be taken by everybody filing for either a Chapter seven bankruptcy or Chapter 13 Bankruptcy. (There are a few exceptions to this rule, but I have yet to see anyone qualify for the exceptions.) One class is taken before filing for bankruptcy and the other class is taken after the bankruptcy has been filed. These courses cost about $20 each. The classes are free for low-income individuals that are below 150% to the federal poverty level. Our firm includes these costs when we are quoting prices.

Law Offices of Patel, Soltis & Cardenas offer payments plans to file a chapter 7 bankruptcy.

We offer $500 down payment plans for Chapter 13 Bankruptcy with proof of funds for first payment to the bankruptcy trustee. We will charge $2100 all fees included to file a Chapter 7 Bankruptcy for any city in  New Jersey. If you own real estate, we have to charge $150 per property to have a CMA done.  A CMA is a Competitive Market Analysis that will have a New Jersey Real Estate Broker perform the analysis of the property to explain to the bankruptcy trustee just what your property is worth.  We use First Look Realty for our CMAs, but you can get one elsewhere if you have someone that will do it for you.

If you need a payment plan, we can only file the chapter 7 after we have been paid in full. Techincally all debts including debts to your bankruptcy attorney are discharged in a chapter 7 as soon as it is filed.  We will file the bankruptcy the same day if you need to stop a garnishment or get your car back from being repossessed if you can have someone else agree to pay the chapter 7 for you on a payment plan.

If you would like a free financial consultation please call to talk to a personal bankruptcy lawyer. Do you find that you are behind on credit cards? Are you facing a foreclosure or have multiple foreclosures on your properties? Is your bank is breathing down your neck, or are scared about a possible wage garnishment or repossession?  call to find out how an NJ bankruptcy filed by experienced bankruptcy attorneys can eliminate all of your credit card debt and consumer loans. Personal bankruptcy could solve all of your problems. Do you not owe it to your self and your family to at least look at the bankruptcy process?

If you have questions about bankruptcy, we will have a Bankruptcy Attorney give you a free consultation to go over your situation to determine if bankruptcy makes sense for you before we will file bankruptcy for you. Customer first law firm that works for you. We will go over your situation to determine if we can help. Call us at 973-200-1111 or Email us at

Are you curious as to what fresh services an Esq can do for your bankruptcy case to give you the help you are looking for? Read about our main bankruptcy attorney’s background. Would you like to stop paying all of your wages to your credit cards for years? Bankruptcy can be the fresh start you are looking for to end all of the collection calls that are hounding you.

If you have questions about bankruptcy, we will have a Bankruptcy Attorney give you a free consultation to go over your situation to determine if bankruptcy makes sense for you before we will file bankruptcy for you. Customer first law firm that works for you. We will go over your situation to determine if we can help. Call us at 973-200-1111 or Email us at

Disclaimer: Bankruptcy is not right for everyone. Bankruptcy is more than filling out a form; it is a process to eliminate your debt, including taxes over 3-years old.

Check out our online bankruptcy reviews. When looking for the best bankruptcy attorney, read their reviews, ask how many cases they file a week, check out their FAQs  read their clients testimonialsread their articles, check their links. What organizations are they members  Are they working out of a Suite or is there main office a PO Box? Can you find them on a map? Find a bankruptcy attorney that is on a main street or avenue near you. Find a bankruptcy lawyer that your family can depend. Before you choose any old attorney make sure they will answer your phone calls to discuss your financial situation. Find an Experienced Bankruptcy attorney that knows what is required to get the relief you need. The next step is for you to call us, to see if we are the right fit for you.

Copyright 2018 Patel, Soltis & Cardenas. We offer help to eliminate past due bills, credit card debt and stop creditor harassment. Call a bankruptcy lawyer to discuss the circumstances you find yourself at 973-200-1111 to choose the best dedicated, affordable bankruptcy lawyers for you to handle everything from loan modifications to consumer bankruptcy. We are the top bankruptcy attorneys located near you to provide the solution the problems you are facing no matter what issues or circumstance you find yourself. If you need directions or help with bankruptcy forms, call to ask a quick question of one of our bankruptcy attorneys. We are located throughout Nj and NY to provide the solution for loan modifications and foreclosure defense.

We have Bankruptcy Attorneys Located throughout New Jersey

We practice bankruptcy in all New Jersey Counties. Atlantic County, Bergen County, Burlington County, Camden County, Cape May County, Cumberland County, Essex County, Gloucester County, Hudson County, Hunterdon County, Mercer County, Middlesex County, Monmouth County, Morris County, Ocean County, Passaic County, Salem County, Somerset County, Sussex County, Union County, and Warren County. We have bankruptcy lawyers for all New Jersey zip codes for bankruptcy and foreclosure consultation calls: 201, 551, 609, 640, 732, 848, 856, 862, 908 and 973. Our bankruptcy lawyers not only understand bankruptcy law, but tax law, foreclosure law, loan modification, real estate law and the union of all of these types of law in Jersey. If your attorney only practices one field of law and it is not bankruptcy, do not use them for bankruptcy protection. A New Jersey bankruptcy lawyer needs to be able to support you with his knowledge, answer your question,

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