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How to Pay for Your Bankruptcy


We’ve written many times about how important it is to have a lawyer’s help when filing for bankruptcy. Those who represent themselves are less likely to receive a discharge of debt and might make an error that causes their case to be dismissed.

However, lawyers do not work for free, and there are filing fees required by the court. Below, we take a look at how people can pay for their bankruptcy. Contact one of our Plantation bankruptcy attorneys if you have a question.

File for Chapter 13

In a Chapter 13 bankruptcy, a person’s legal fees can be folded into a payment plan that lasts three to five years. This means that the debtor does not need to have the money upfront but gets time to make payments.

However, Chapter 13 is not for everybody, and nobody should file for Chapter 13 simply because they don’t have the money upfront to pay for a Chapter 7. Of the two, a Chapter 7 bankruptcy is much faster and is the more sensible choice for many people. Unfortunately, all unsecured claims get eliminated in a Chapter 7, which would also include a debtor’s contract to pay their lawyer. For this reason, a debtor needs money upfront before filing for Chapter 7.

Come Up with a Payment Plan

A bankruptcy attorney might agree to let a debtor pay in installments. Of course, all installments need to be paid before the case is filed, otherwise whatever remains unpaid can be wiped out in the bankruptcy.

Our team of Plantation bankruptcy lawyers offers free consultations, and we can discuss how much it is expected to cost to file for bankruptcy. We will gladly discuss financial options with you.

Save the Money

Another option is to simply save as much as you need to pay your lawyer and any court costs. You can save money in the following ways:

  • Stop making payment on your credit cards and other debts. This should free up money that can go to your legal fees.
  • Cut back on expenses. Many people can easily give up on their morning coffee or gym membership to save money. With the coronavirus, many people are eating more at home anyway, which helps lower the cost of living.
  • Pick up a part-time job. A side hustle could net you $100 or more each week.

Learning how to save is a great option for people who file bankruptcy, since you will have to live within your means once you exit the bankruptcy. We encourage everyone to get an early start on creating a budget and finding creative ways for sticking to it.

Contact Nowack & Olson, PLLC Today

Some bankruptcy experts have recommended excluding fees from discharge in a Chapter 7, which would make it easier for many people to file for Chapter 7. Until a change in the law takes place, however, we can work with our clients to discuss different payment options. Please contact our Plantation bankruptcy attorneys at Nowack & Olson, PLLC today by calling 888-813-4737 to schedule your free consultation.


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