Cost To File Bankruptcy

We are dedicated to keeping our fees affordable:

Bankruptcy can be a lot of work but we use technology and streamlined processes to help us do our work as efficiently as we can. Not all cases are the same but many are so we start with a low base price and only charge extra for certain types of cases that require extra work (see below).  

We have great payment plans that fit your budget: 

For chapter 7 cases, we have affordable payment plans with one, two, four and even six payments. For chapter 13 cases, we start with an initial retainer and then put the remainder of our fees in the chapter 13 plan so you can pay them over sixty equal payments.

See our list of payment plans below then call for a free consultation.

Chapter 7 For Individuals Payment Plans (not including filing fee)

Click on any of the choices below to get started on a monthly payment plan.

1 single payment: $1499*

2 monthly payments: $799*

3 monthly payments: $549*

4 monthly payments: $425*

6 monthly payments: $299*

Or choose this bi-weekly payment plan

6 payments every two weeks of $299

*this price is valid when (1) you are an indivdual filing bankruptcy; (2) we file your case at the same time we file other cases; (3) you have no real estate or other assets; (4) no office visit required; and, (5) no paper documents submitted.  

Chapter 13 For Individuals Payment Plans

Most cases are eligible for our chapter 13 payment plan outlined below. On rare occasions, we may require that the entire fee be paid in full in advance.

To get started on your case, we require a payment of $2310 (including filing fee) with the remaining $2500 paid in 60 monthly payments of $45 per month.

Click on the link below to make your payment to get started on a chapter 13 bankrutcy today.

$2000 down payment + $310 filing fee ($2310)**

$4500 + $310 filing fee ($4810) payment in full

**Your chapter 13 plan will include monthly payments of $45 per month for 60 months

Filing Fees for Individual Chapter 7 cases

The filing fee of $335 can be paid in four monthly installments of $84 directly to the court at the time of filing.

Pay Filing Fee Now $335

Pay First Installment of $85 Now then 3 monthly payments

*this price is valid when (1) you are an indivdual filing bankruptcy; (2) we file your case at the same time we file other cases; (3) you have no real estate or other assets; (4) no office visit required; and, (5) no paper documents submitted.  

Chapter 7 for Small Businesses

Small business cases are not eligible for payment plans and must be paid-in-full prior to commencement of work on the case.

Attorney fees $4999 + $335 filing fee are due and payable prior to commencement work your case.

$4999 + $335 filing fee ($5334)

Small Business Reorganizations Through Chapter 11 Subchapter V

Chapter 11 Payment Plans

For small business cases filed under Subsection V

$7500 flat fee plus filing fees

$500 p/hour for work not typical in a small business case

Filing fees for Chapter 11 $1717 (payable at time of filing)

Small Business cases under subsection V are simplified chapter 11 cases with fees much less than a complete chapter11 case.

Additional Fees (If applicable)

Office Visit $250

Emergency Filing ** $499

Motion Defense $750

** emergency case means we must file the case on a specific date to stop a sheriff sale, wage garnishment, or other collection activity.

Loan Modifications

$2500 if done within the loss mitigation program of the bankruptcy court

$5500 if done without bankruptcy

$40 to open the loss mitigation portal

Foreclosure Defense in NJ State Court

$3500 to open the case, file the answer and enter our appearance

$750 p/mn each month until the case is resolved^

^ does not include filing a bankruptcy case or applying for a loan modification (see other fees above)

Hourly Rates

$500 per hour - Sr. Attorney Hourly Rate

$200 per hour - Jr. Associate

$150 per hour - paralegal

$90 per hour - law clerk