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Anne M. VanderBroek at VanderBroek Law is an experienced Bankruptcy Lawyer in Spring Lake, and she helps her clients with comprehensive legal guidance. Anne can offer you protection from harassment by your lenders, collection agencies, and creditors.

How much does it cost to file for bankruptcy?

When you file for bankruptcy, you will need to meet with three major costs. The first kind is the court filing fee, which can cost $335 for Chapter 7, and $310 for Chapter 13. The second cost involves the credit counseling fee, which can range between #30 and $50. This fee is for the pre-filing credit counseling session and the post-filing financial management course.

The final cost is the attorney’s fee, which can vary largely from one place to another. It can range between $2,000 and $2,500 for a Chapter 7 bankruptcy case, and $3,000 - $4,000 for a Chapter 13 case. Your attorney may charge you a higher fee if your case involves lots of creditors, or if there is a business debt involved.

Top reasons to hire a bankruptcy attorney

In case of filing for bankruptcy, you may be going back and forth with the idea of if whether you need to hire a bankruptcy attorney. Here are the top reasons why you should hire the services of a skilled bankruptcy attorney to handle your case:

  1. They protect from harassment - Individuals who file for bankruptcy often receive a lot of harassment calls and emails from collection agencies and their creditors. When you have an attorney working for you, they take care of talking to your creditors and protect you from receiving humiliating calls and emails.
  2. They help you stay on top of your paperwork - Your bankruptcy application can include filling out a humongous amount of complex legal paperwork and gathering various supporting documents. When you have an attorney working for you, they will help you track everything and assist you with legal counsel.
  3. They can prepare you with their expertise - You may not possess an in-depth understanding of the laws surrounding the bankruptcy. When you have an attorney working for you, they will assist you in every step of your legal proceeding, answer a judge’s questions precisely, and prevent you from making costly mistakes.

Our bankruptcy lawyer in Spring Lake, Anne VanderBroek takes care of every aspect of a bankruptcy case, while our clients focus on regaining their financial independence. Anne is one of the most affordable bankruptcy attorneys in Michigan.

How are Chapter 13 payments determined?

The bankruptcy court will calculate a Chapter 13 monthly payment amount after a careful analysis of your current financial standing, and after examining if whether you can manage the payment every month. The court will consider your income, expenses, the total amount of your secured and unsecured debts, seasonal pay, alimony, and value of your assets and property before determining your Chapter 13 payment amount.

Are you considering filing for bankruptcy? Call us at (616) 607-7522 for legal counsel and to discuss your options. Anne M. Vanderbroek is an affordable bankruptcy lawyer in Spring Lake with a successful track record and exceptional people skills. At VanderBroek Law, we provide you with peace of mind and protect you from uncertainty.

Bankruptcy Lawyer Spring Lake