· The purpose of the initial consultation is to gain a general understanding of your financial situation. Regarding general unsecured debt (credit cards, medical bills, payday loans, personal loans, etc.), we simply need an approximate total balance.
· Once we have this general understanding, we will answer all debt-related questions and thoroughly explain our recommendations.
· We need to know how much money you (and your spouse) have earned in the previous six months and whether you receive other payments.
· If you own real estate (like your home), we need to know the balances of mortgages, tax liens, and money judgments (a/k/a judicial liens).
· For each automobile, we need to know the VIN, as it makes assessing the value much easier, along with the balance of any loan.
· Finally, you should have approximate balances for past-due taxes and student loans.
· A large portion (between $3k and $4k) of our Chapter 13 attorney’s fee can be paid as part of your Chapter 13 plan payment.
· In addition, each case has a cost deposit of $382 (individual) or $427 (joint).
· No, you can pay B3 Law’s entire attorney fee before filing Chapter 7 bankruptcy.
· If you do not wish to use a personal guarantor, you can make periodic payments before we file your case until the entire fee has been paid in full.
· No, as long as you have a personal guarantor and a bank account from which we can set up automatic payments.
· In many cases, Blue Bee Bankruptcy’s File Fast Option allows you to file a Chapter 7 bankruptcy case before paying our attorney’s fee. After filing, you would allow us to automatically draw periodic payments directly from your designated bank account.
· To take advantage of our File Fast Option, a third party with excellent credit (700+ FICO) must agree to be liable if you fail to complete our File Fast payment plan.
· Alternatively, you can make periodic payments before we file your case until the entire fee has been paid in full.
· Chapter 13 (consumer reorganization) bankruptcy cases are typically more complex than Chapter 7 cases, and accordingly, they are more expensive.
· Utah bankruptcy judges establish the “presumptive fee” for Chapter 13 cases. Bankruptcy attorneys cannot charge more than this fee without obtaining a court order.
· Currently, the presumptive attorney’s fee in Chapter 13 cases is:
– $5,100 for above-median debtors
– $4,500 – $4,750 for below median income debtors
· Every case is different, but generally speaking, B3 Law’s flat fee for a typical “no-asset” consumer Chapter 7 (liquidation) bankruptcy Chapter 7 case is $2,500.
· In addition, each case has a cost deposit of $407 (individual) or $452 (joint).
· The purpose of the initial consultation is to gain a general understanding of your financial situation. Regarding general unsecured debt (credit cards, medical bills, payday loans, personal loans, etc.), we simply need an approximate total balance.
· Once we have this general understanding, we will answer all debt-related questions and thoroughly explain our recommendations.
· We need to know how much money you (and your spouse) have earned in the previous six months and whether you receive other payments.
· If you own real estate (like your home), we need to know the balances of mortgages, tax liens, and money judgments (a/k/a judicial liens).
· For each automobile, we need to know the VIN, as it makes assessing the value much easier, along with the balance of any loan.
· Finally, you should have approximate balances for past-due taxes and student loans.
· A large portion (between $3k and $4k) of our Chapter 13 attorney’s fee can be paid as part of your Chapter 13 plan payment.
· In addition, each case has a cost deposit of $382 (individual) or $427 (joint).
· No, you can pay B3 Law’s entire attorney fee before filing Chapter 7 bankruptcy.
· If you do not wish to use a personal guarantor, you can make periodic payments before we file your case until the entire fee has been paid in full.
· No, as long as you have a personal guarantor and a bank account from which we can set up automatic payments.
· In many cases, Blue Bee Bankruptcy’s File Fast Option allows you to file a Chapter 7 bankruptcy case before paying our attorney’s fee. After filing, you would allow us to automatically draw periodic payments directly from your designated bank account.
· To take advantage of our File Fast Option, a third party with excellent credit (700+ FICO) must agree to be liable if you fail to complete our File Fast payment plan.
· Alternatively, you can make periodic payments before we file your case until the entire fee has been paid in full.
· Chapter 13 (consumer reorganization) bankruptcy cases are typically more complex than Chapter 7 cases, and accordingly, they are more expensive.
· Utah bankruptcy judges establish the “presumptive fee” for Chapter 13 cases. Bankruptcy attorneys cannot charge more than this fee without obtaining a court order.
· Currently, the presumptive attorney’s fee in Chapter 13 cases is:
– $5,100 for above-median debtors
– $4,500 – $4,750 for below median income debtors
· Every case is different, but generally speaking, B3 Law’s flat fee for a typical “no-asset” consumer Chapter 7 (liquidation) bankruptcy Chapter 7 case is $2,500.
· In addition, each case has a cost deposit of $407 (individual) or $452 (joint).
