CHAPTER 13 CASE TERMS, SERVICES AND ADDITONAL FEES DISCLOSURE

Chapter 13 fees start from $3,300.00, depending on the complexity of your case, and out of pocket cost reimbursement of approximately $200.00.  A fee will be quoted following your complementary initial consultation with one of our attorneys.  Generally, $1,000.00 towards the quoted attorney fees and the court filing fee of $281.00 is due prior to case filing.  The balance of fees and costs will be included in your Chapter 13 repayment plan.   For pre-filing fees totaling $1,281, the payments may be broken down into three (3) monthly installments of $427.00.

Additional Chapter 13 pricing details:

• You must directly pay the credit counseling providers for the two (2) mandatory education sessions
• Pre-petition fees must be paid in full within three (3) months of retentions
• The fee includes the basic services outlined below.

CHAPTER 13 CASE BASIC SERVICES

The following services are basic services common to most Chapter 13 cases.  Some cases will not require all of these services, but such services are considered essential to competent and effective representation of most debtors in Chapter 13.  The attorney fee is designed to include these services.

1. Meet with the debtors(s) to review and analyze the debtor(s)’ financial situation.
2. Counsel the debtor(s) on whether the filing of a bankruptcy case is appropriate and necessary and, if so, whether to file a Chapter 7 or Chapter 13 case.
3. Evaluate and advise on the timing of the filing.
4. Analyze eligibility for discharge.
5. Provide a credit report (bi- or tri-merge) to debtor(s) for creditor analysis and inclusion in case.
6. Advise the debtor(s) of their statutory obligations once a bankruptcy is filed.
7. Evaluate the timing of the filing.
8. Evaluate conflict of interest issues.
9. Explain to the debtor(s) the nature and amount of fees and expenses to be charged and provide written fee agreement.
10. E-file all documents on debtor(s)’ behalf.
11. Prepare and file required documents, including, but not limited to, the Schedules, Statement of Financial Affairs, Form B22C Means-Test Calculation, Chapter 13 Plan, and other information required to be filed by section 521(a) of the Code.
12. Handle creditor inquiries.
13. Timely supply requested information to the Chapter 13 Trustee.
14. Advise the debtor(s) with regard to the automatic stay.
15. Take appropriate action with respect to the automatic stay.
16. Appear at and represent the debtor(s) at the 341 meeting of creditors.
17. Appear at and represent the debtor(s) at the Confirmation Hearing.
18. File any necessary debtor(s) change of address notifications.
19. Represent the debtor(s) in negotiations with the Chapter 13 Trustee and any other creditors who file an Objection to Plan Confirmation.
20. Continue to provide legal advice and information to debtor(s) as necessary through the obtainment of confirmation of the Chapter 13 Plan.

 

ADDITIONAL FEES IN SOME CHAPTER 13 CASES

The following services are not common to most Chapter 13 cases.  These services are in addition to the basic fee because they involve increased staff and attorney time and/or additional court or outside service fees to provide competent and effective representation.

Emergency filing = case must be filed within five business days;	$350.00
Representation of debtor(s) who are small business owners	As quoted
Cases not filed within three months of retaining the law firm	$50/additional month
Continued §341 meeting of creditors by debtor(s) request	$250.00
§341 meeting of creditors held outside of the Denver-Metro area	$250.00
Filing amended schedules to add omitted creditor(s)	$175.00
Represent debtor(s) at Rule 2004 examination	Hourly attorney rate
Represent debtor(s) in adversary proceeding(s) or hearings	Hourly attorney rate
Real estate motions (abandonment, sale, redemption, lien avoidance/ strip, modifications)	$450.00
Conversion to Chapter 7	$525.00
Insufficient funds on check received by debtor	$35.00
Applications to Incur New Debt	$250.00
Post Confirmation Modifications	As quoted
Research on legal issue(s)	Hourly attorney rate

Services not listed are not included in the fee structure and should be discussed with our attorney(s) to determine the cost involved or whether we provide the service.  St. Bernard Bankruptcy has made every effort to weigh your ability to pay along with the necessary time and expense incurred by our staff in providing competent, advanced legal services.