What Happens When a Person Cannot Afford to Pay for a Chapter 7 Bankruptcy Filing
By the time people are finally ready to hire Chapter 7 Bankruptcy Attorneys, the finances may be in such dire straits that they cannot even afford to file. They have no credit left or allowed on their cards anymore, and no way to take out a bank loan. Their savings accounts are depleted. Typically, the person must pay the lawyer for the filing fees before this part of the process can move forward. The individual must figure out a way to come up with the money. Chapter 13 vs. Chapter 7 In Chapter 13 filings by Bankruptcy attorneys , fees can be included in a debt repayment program set up to last for up to five years. In contrast, Chapter 7 is designed to wipe out qualifying debts, and that would include attorney fees. Obviously, a lawyer will not do this work if the payment would be discharged in the very bankruptcy petition he or she set up. In some instances, courts will allow the petitioner to pay filing fees in installments. Although that does not address the lawyer's fee,