Affordable Bankruptcy Payment Options

Affordable Bankruptcy Payment Options

“Affordable bankruptcy” may sound like an oxymoron. If you’re buried in debts that keep piling up, you’ve probably started researching your options. And, if you’re like most people, you’ve probably heard or read that filing for bankruptcy is expensive and complicated.

Costs should never hinder you from obtaining the protection that filing for bankruptcy can offer. At Holston & Huntley, we offer affordable bankruptcy filing options to help you get out of debt — and stay out of debt. We do this by advancing the mandatory filing fee, credit counseling, and obtaining a copy of your credit report. Because this provides an efficient and rapid filing of your case, we can establish a payment arrangement that will allow you to file for bankruptcy protection sooner than later.

How Can You Qualify for this $O Down Option?

There are only 3 simple qualifications for this affordable bankruptcy option:

  • You must have the desire to become debt free.
  • You must have an established bank account. This is our method of receiving installment payments via auto debit card.
  • You must have the ability to re-pay. You need income sufficient to make the monthly payments we both agree on. The purpose of filing Bankruptcy is to get out of debt, not to incur additional debts that you cannot afford!

What If I Can’t Qualify for the $O Down Option?

However, if you do not qualify, don’t worry. We will work with you and put an affordable bankruptcy plan in place that fits your situation and your needs.

Attorneys’ Fees For Filing Bankruptcy

Our attorneys’ fees vary depending on your situation. A number of factors will determine the amount of your attorney fee, including:

  • How soon you need your case filed
  • The complexity of your filing
  • If you are facing garnishment, eviction, foreclosure, or some other legal action
  • The total amount of debt
  • The total amount of assets
  • The type of debt (secured debt, judgments, credit cards, taxes, student loans etc.)
  • Whether you owe either priority or state taxes
  • The number of pieces of real estate owned

Affordable Bankruptcy: Chapter 13

If you are behind on your mortgage and facing foreclosure, Chapter 13 bankruptcy may be the best option for you. The Chapter 13 process lasts from 36-60 months, and the cost to file a Chapter 13 bankruptcy will be determined after your initial consultation. It will also include the mandatory filing fee, credit counseling, and obtaining a copy of your credit report.

All attorneys’ fees for a Chapter 13 bankruptcy are routinely put into the repayment plan and are priced based on your financial situation. Therefore, the Chapter 13 Trustee will pay the attorneys’ fees on a monthly basis along with the other creditors throughout.

It is common for your financial circumstances to change during the course of this process. If that happens, we will be here for you every step of the way. We will assist you with the modification of your plan or, if necessary, we can convert your filing from a Chapter 13 to a Chapter 7 bankruptcy filing.

Areas of Service

We serve people throughout Georgia, including but not limited to Metro Atlanta, Georgia; Marietta, Smyrna, Dallas Georgia, Douglasville, Riverdale, Clayton County, Alpharetta, DeKalb County, East Point, College Park, Conyers, Athens, and Macon, Georgia.

Don’t risk attempting to file your petition alone in an attempt to save money. You face a high risk of having your petition rejected if you are unsure how to navigate the Bankruptcy Code. We have low-cost bankruptcy filing options and offer free consultations for both Ch. 7 & Ch. 13 Bankruptcies. Call Us Now 844.422.8339 (Ga-Buddy). We look forward to serving as your Counsel because we understand your needs.

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Holston & Huntley, LLC, Attorneys & Lawyers Bankruptcy, Atlanta, GA