For obvious reasons, many people interested in filing for bankruptcy are concerned about finding the lowest-cost option available. When making this decision, it's important to consider a variety of factors that contribute to a bankruptcy case's total cost.
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One of the most important decisions you'll have to make is whether to file under Chapter 7 or Chapter 13 of the U.S. Bankruptcy Code. There's a slight difference in cost between the two, but that's only one of their differences. Here's a breakdown of the two most common types of personal bankruptcy.
In addition to the fees required by the court, you will also have to take a pre-filing credit counseling course, as well as a pre-discharge financial management course. If you hire an attorney, you will also have to pay those fees as well.
Everybody's case is different, and you may want to consult with a bankruptcy lawyer about which type of personal bankruptcy is most likely to offer you the financial relief you need.
When you file for bankruptcy, though, it's important to remember that the initial price tag isn't the only factor to consider. Chapter 7 and Chapter 13 may have very different impacts on your life, so you may want to consider some potential side effects of each.
If you have questions about which type of personal bankruptcy might fit your finances best, take advantage of this offer to consult with a bankruptcy attorney for free.