With a chapter 7 it is a little bit easier. Once a debtor meets with his or her attorney and decides filing under chapter 7 is the way to go, they can stop paying unsecured debt. For many people, a month or two of minimum payments they were making on credit card payments will cover and can be used for most of the costs of filing.
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Another possibility is to work out a payment plan with your attorney. Many attorneys will allow people to make deposits them until they have the full payment and then they will file the case ... like a layaway plan for legal services.
Finally, it might be time to ask for help from a family member or friend. This is a common solution. But keep in mind it should not be a loan. If it is, you will need to list that debt in your bankruptcy. Think of it this way ... is it better to consciously accept the fee knowing up front you cannot repay it or to borrow money thinking you are going to pay back but are never able to pay?
These are avenues for a debtor to consider when considering bankruptcy and he or she does not know how to pay for it. At some point, for many people, the fee just has to be found.
If you want assistance, legal representation, or just want to know more about Mark Medvesky or Wells, Hoffman, Holloway & Medvesky LLP, check out our website at www.whhmlaw.com.
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