Not every bankruptcy case is complicated, and you can file without an attorney. But bankruptcy can be a difficult, emotional process — our attorneys have decades of experience and can help it move more smoothly. Schedule a free consultation with McCue Law Office in Bangor today.
What you can expect from your bankruptcy attorney:
Every situation is unique — here are answers to a few of the more general questions we hear.
The court can waive the filing fee for Chapter 7 bankruptcy (currently $335) if your income is low enough. A waiver of the Chapter 13 filing fee (currently $310) is not available.
There may be more paperwork depending on your individual circumstances.
Student loans can be discharged only in exceptional circumstances. Tax debt can sometimes be discharged, depending on how old the debt is and whether you filed your returns when they were due.
We accept payments. You can refer your creditors to us once you've paid $500. We can't file your bankruptcy with the court until you've paid in full for Chapter 7, or paid the full retainer for Chapter 13.
In Chapter 7, depending on the value, you'll normally be allowed to keep a vehicle and/or home as long as your payments are up to date. In Chapter 13, you pay your current mortgage directly to the mortgage company.
As soon as the required initial non-refundable deposit is made, your attorney will begin representation. Your bankruptcy filing can't take place until you've paid in full.
| Chapter | Cost |
|---|---|
| Chapter 7 | $2,000, paid in affordable installments; $300 non-refundable down payment required |
| Chapter 11 | Varies depending on the complexity of the case |
| Chapter 13 | Average retainer around $3,500, with the remainder built into the repayment plan |
If these FAQs didn’t cover your situation, visit our bankruptcy overview page or talk to us directly — your first consultation is free.
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