How Do I Pay For A Chapter 7 or Chapter 13 Bankruptcy?

Answer: If your financial troubles are bad enough that you are seriously considering filing for Chapter 7 or Chapter 13 bankruptcy, then you are probably also asking yourself “How am I going to pay for a bankruptcy when I can’t pay any of my other bills?” It is a natural question. After all, bankruptcy attorneys do not come free and there are mandatory bankruptcy filing fees. Here are some suggestions that might help you find an answer to the question you’re asking.

The first step in figuring out how you will pay for a bankruptcy in Arizona is to talk to a qualified bankruptcy attorney, debt relief specialist, or bankruptcy lawyer as you need to know exactly how much the chapter 7 bankruptcy or chapter 13 bankruptcy process is going to cost.  The experienced bankruptcy lawyers at the My AZ Lawyers can answer all of your questions regarding: debt relief, filing bankruptcy, chapter 13 bankruptcy, chapter 7 bankruptcy, and bankruptcy filing fees, and bankruptcy legal fees.

Most good bankruptcy attorneys and bankruptcy lawyers offer a free initial consultation. My AZ Lawyers offers a FREE Consultation and FREE Debt Evaluation to help give you some solutions as to how to pay for filing bankruptcy in Arizona. Our experienced bankruptcy attorneys offer some of the most affordable bankruptcy rates and in some instances, offer payment plans. My AZ Lawyers will allow you to make installment payments as you go as long as the fees are paid in full before your bankruptcy is finalized.

Once you have retained your Arizona bankruptcy lawyer, be it Tempe, Gilbert, Phoenix or another location in Arizona, the bankruptcy lawyer will look over your bills and see if there are some you could quit paying immediately. Unsecured debts, such as credit cards, some medical bills, and other obligations often fall into this category. If you have some of these bills, you can take the money you have been using to make those payments and apply it towards the cost of bankruptcy instead. Your Arizona bankruptcy attorney will be able to let you know which bills it would be okay to quit making payments.

One of the most popular ways to pay for filing your for bankruptcy in Arizona is to use your federal and/or state tax return. Not everyone who needs to file for bankruptcy can wait until the tax season to file. If you are fortunate enough to be able to wait until tax season to file, there is a good possibility that you may have the means to pay your attorney and the filing fee.

Tax season falls at the first part of the year. Tax season is as good of time as any to examine your current financial situation. Set up an appointment with your experienced bankruptcy attorney as he can advise you as to if your tax return may be a viable option in order to pay for your bankruptcy. Many attorneys like The My AZ Lawyers offer free initial consultations and free debt evaluations. We service all of Arizona, including Phoenix, Tempe, Peoria, Chandler, Gilbert, Maricopa, Casa Grande, and Tucson, Arizona.

Though there are several options available to you as to how to pay for bankruptcy, one option that is not available is the use of credit cards. You may not use your credit cards to charge and pay for your bankruptcy fees.

Some of the other options as to how to pay for your bankruptcy include: borrowing money from your retirement plan (401K or IRA), borrowing the money from family members, or taking out a short term loan from one of your friends. You can explain to your family and friends that helping you file for bankruptcy is a necessary investment in your financial future. You can also let them know that once you file for bankruptcy, you won’t have to pay for many of your bills and you will be able to use that money to pay them back.

Filing for Chapter 7 bankruptcy or Chapter 13 bankruptcy is an important decision, it does not have to be an inexpensive decision. Filing for bankruptcy protection in Arizona takes its toll both emotionally and financially. Paying to file bankruptcy may turn out to be the best money you’ve ever spent. Your Arizona bankruptcy filing fees should be considered the down payment on a fresh financial start. At The My AZ Lawyers, we offer a free initial consultation to help you make the decision whether or not bankruptcy is the right choice for you and, if so, what you need to know and do to achieve the results offered under the various bankruptcy alternatives.

In addition to free face-to-face consultations, we also provide free consultations over the telephone. Give us a call. (480) 833-8000 for Mesa Bankruptcy Lawyers or (520) 306-8729 for Tucson Bankruptcy Attorneys or Send us an e-mail. Don’t you deserve a Fresh Start?