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What is the normal cost to file bankruptcy? If you have joint bills do both parties file or will one filing take care of the debt?

I became ill and went on disability and fell behind on my obligations.  I am now being sued in small claims court over a debt I cannot pay.  I spoke to someone that recommends I file bankruptcy.  At 62 years old I am not sure that is the correct move.  I was told because I am current on my home and auto that I can keep those and wondering if this is true.  Some of my obligations are joint and I am wondering if I file if it wipes out the obligation or falls to hubby which is of no benefit for us.  Between the two of us we can't seem to make ends meet all the obligations and still have money to eat.  Any recommendations and costs involved to file would be appreciated.  


Quick reply - how much does it cost to file bankruptcy in Florida:

How much does it cost to file bankruptcy in your State and do you need a lawyer to file bankruptcy? In general, for a Chapter 7 bankruptcy case, the fee is around $390. For a Chapter 13 case, the fee is approx $375. Just remember, you don't need much money to begin the bankruptcy process in Florida (Daytona Beach). You may even have filing fees waived if you have little or no income. 

  1. Determine whether bankruptcy is necessary
  2. Consider student loans
  3. Consider impact on your credit
  4. Deciding what type of bankruptcy to file
  5. Choose between chapter 7 and chapter 13 bankruptcy
  6. Satisfying pre-bankruptcy requirements
  7. Drafting and filing bankruptcy documents
  8. Provide a summary of assets and liabilities
  9. Complete a statement of financial affairs
  10. File a certificate of credit counseling
  11. And finally, file the forms

How to find an excellent lawyer for your bankruptcy case in Florida? Browse our list of Bankruptcy law attorneys near you and resolve your bankruptcy (financial / debt) issue! Compare bankruptcy attorney fees, experience, reputation among clients, and financial services offered. 

Legal question "What is the normal cost to file bankruptcy? If you have joint bills do both parties file or will one filing take care of the debt?" has been written 4 weeks ago. Demonstrate your legal skills and willingness to help and answer right now! Issue is related to the location of Daytona Beach & area of law: Bankruptcy law attorneys. Latest answer commented 3 weeks 6 days ago.
Last answer by  |  Written  3 weeks ago Last answer
While there is no minimum debt amount required to file for bankruptcy, you can't have more than approx $1,250,000 in secured debt or $420,000 in unsecured debt if you want to file for Chapter 13 bankruptcy. Remember, that the actual cost you pay a bankruptcy attorney to prepare your bankruptcy depen
Last answer by Counselor  |  Written  4 weeks ago Last answer
Average cost of Bankruptcy in Florida is $1100 - $1600 for standard bankruptcy cases. Also remember, there is a $335 federal filing fee and your spouse will still be liable for any joint debts...

Would you like to find an experienced bankruptcy lawyer near me (you) quickly and for a good price? Generally, bankruptcy law can provide a timeline (arrangement) for the repayment of non-dischargeable personal (corporate) debts. The ability to repay secured debts is valid for both Individuals as well as organizations (governmental and private). Bankruptcy comes in five varieties where each offering different options "settling" with debts.

  1. Chapter 7: Cancelation of unsecured debts (credit cards and personal loans). Bankruptcy law in the United States has changed dramatically in 2005. Liquidation of personal debts under a Chapter 7 is the most common form of debt relief. Most of chapter 7 cases are classified as "no asset".
  2. Chapter 9: Reorganization of municipalities and related local entities sheet (not for Individuals and Corporations). A chapter 9 of bankruptcy law in U.S is very special. It is a form of debt reorganization (not disposal). Remember, it is only avaliable to Municipalities
  3. Chapter 11: This chapter Provides a lot of options to reorganize debt. There are options such as "debt cancellation", repaying some debts for Individuals, etc ...
  4. Chapter 12: Restructuring of debts for Family Farmers is done according to this chapter.
  5. Chapter 13: repayment of some debts over a period of three to five years + reduction on secured debts and their elimination.

Is it better to file for a bankruptcy under Chapter 11, Chapter 12 or Chapter 13? It depends on your case. Your first step should be finding and hiring the best and most affordable bankruptcy attorney near you. Bankruptcy proceedings in the United States are (should be) supervised by District and Bankruptcy Courts governed by the bankruptcy rules (promulgated by the Supreme Court - www.supremecourt.gov)

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Comments: answer this question

"What is the normal cost to file bankruptcy? If you have joint bills do both parties file or will one filing take care of the debt?"

Bankruptcy law attorneys Daytona Beach

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Written by Counselor
Sat, 06/22/2019 - 13:52

Average cost of Bankruptcy in Florida is $1100 - $1600 for standard bankruptcy cases. Also remember, there is a $335 federal filing fee and your spouse will still be liable for any joint debts...

If you are having legal problems, you can get free legal assistance from lawyers in your area. We assist you to find and compare law firms in your area by clients' reviews, prices (legal fees), and other parameters. You can ask a legal question or find an attorney.

Written by Counselor
Sat, 06/22/2019 - 21:38

While there is no minimum debt amount required to file for bankruptcy, you can't have more than approx $1,250,000 in secured debt or $420,000 in unsecured debt if you want to file for Chapter 13 bankruptcy. Remember, that the actual cost you pay a bankruptcy attorney to prepare your bankruptcy depends on many factors:

  • Where You Live (location)
  • Type of Bankruptcy Chapter
  • Complexity of Your Chapter 7 Bankruptcy Case
  • Type of Bankruptcy Case
  • Experience of the Attorney
How much it costs for Chapter 7, Chapter 13 Prices (estimate)
Chapter 7 filing fee $300
Chapter 13 filing fee $280
Conversion from Chapter 7 to Chapter 13 Free (20)
Conversion from Chapter 13 to Chapter 7 $28
Credit counseling/financial management course $30-$120
Total cost pro se (filing on your own), with a low success rate $370-$480
Total cost Chapter 7 with attorney $1,700-$4,000
Total cost Chapter 13 with attorney $4,000-$6,000
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