COST & PAYMENT

NEW BANKRUPTCY PROSPECTS: I do a free 30-45 minute initial consultation ONLY for bankruptcy cases. WHY? Because all the other bankruptcy attorneys in Denver offer this.

NEW STUDENT LOAN PROSPECTS: I charge $100 for our 30-45 minute initial student loan consultation. WHY? Because there are very few attorneys nationally, let alone in Colorado, who have my expertise. It usually takes 30-45 minutes to sort out what is going on and how I can help you. Few people can FULLY & ACCURATELY describe the details about their student loans and issues to me without me having to review some of their loan data, and give them guidance to sort out their situation. If I cannot help you at all, you can ask me to waive the consultation fee..

STUDENT LOAN FEES -

FIXED rate or HOURLY Fees

CONSULTING FEE - Because most cases require me to speak to you and review or order documents before we can diagnose your situation and present solution(s), I charge a $100 Initial Consultation fee.

I do not charge a fee for Total & Permanent Disability cases. I try to give a discount on student loan case fees to those on limited incomes or disability.

FIXED RATE - For some cases, I can quote a fixed fee and set up a payment schedule.

HOURLY - In many cases, I charge a $250 Retainer and then can bill you our hourly rate for services. We can set up a payment Plan.

LITIGATION - We charge a $250 Retainer and then can bill your our hourly rate for services. We can set up a payment plan.

LITIGATION COSTS - Costs are not common in most cases except court litigation are extra and are NOT included in the Fees above.  Costs may include, but are not limited to copy, fax, and postage/delivery costs; credit report fees; court and filing fees; research fees; if necessary.  Discovery costs including process server, expert witness, court reporter fees; mediator fees; investigation expenses; and travel expenses (including any such costs outsourced to third party vendors).  CHLF may advance certain costs by paying them and having you reimburse them or I may need to pay the vendor myself for you.

PAYMENT: We accept payment by cash, money order, check or echeck, debit card, or credit card. We may be able to offer a payment plan.

Clients may pay fees & costs electronically via the secure payment service, LawPay, Click on the LawPay button above to make a payment.

BANKRUPTCY FEES

are governed by Court rules

Federal law requires us to state that in our bankruptcy practice, we are a debt relief agency.

Below are general ranges for different costs in Bankruptcy — each case is DIFFERENT so I will do a SHORT FREE phone call with you to QUOTE a price for your bankruptcy. During this interview, I will, by necessity, get a pretty good idea of your financial situation. I try to give a discount to those on limited incomes or disability.

CHAPTER 7  — Generally lasts 6-12 months. Cost ranges from $1,000 for simple cases to $2,500 and up for more sophisticated business intensive cases, Unlike other law firms, I am your attorney from the day you hire me until the case closes as completed.

CHAPTER 13 - Lasts a minimum of 36 to 60 months. After a phone interview, I will give you a written price range quote. You must pay us a PRE-FILING ATTORNEY FEE DOWN PAYMENT to start work on your case. But after the Chapter 13 Plan is confirmed (approved) by the Court, the Attorney submits time records to the Court and the Client.  The Pre-Filing Attorney Fee is considered a retainer; if actual billable time exceeds the retainer amount, the Court may award additional funds be paid by your Trustee to the Lawyer [instead of to unsecured creditors over the 3-5 years of the Plan from the monthly funds paid by Client to the Trustee. Generally, total chapter 13 fees paid pre-filing and by Court award range from $4,500 to $6,000 over the 36 - 60 months.  There may be additional court approved fees paid through the Plan if your confirmed Plan has to be modified during the 36-60 months of a Plan.

CREDIT COUNSELING — There are 2 court required credit counseling course fees. One is required before you file and one after you file. Approximately $20- $40 total. Paid to an unassociated Credit Counseling Company.

COURT FILING FEES — $313 (Chapter 13) or $338 (Chapter 7). Funds are paid to this firm which pays them to Court on filing date. Client does not have to pay the Filing Fee until the case is ready to file.  Or Client may apply to Court to pay filing fee in 3 installments — First payment is due within 14 days of filing your case; 2nd payment due is due 42 days later, and 3rd installment is due 70 days after 2nd.

OTHER RARE FEES — In some cases, there may be few Court fees after filing for special events like adding creditors ($32), converting chapter ($25), reopening case ($260), etc.

BANKRUPTCY ADVERSARY CASES - These cases have an additional fee after the actal bankruptcy. You may already have done a bankruptcy before you contact me. There may be Court fees, service fees, copy costs, deposition charges, etc. you will have to pay. I will quote you a fee after we confer.

PAYMENT: We accept payment by cash, money order, check or echeck [no personal checks within 10 days of filing date], debit card, or 3rd party credit card .FOR BANKRUPTCY, WE CAN ONLY TAKE CREDIT CARDS FROM A 3RD PARTY, NOT A CLIENT.

We may be able to set up monthly payment plans for the PRE-FILING ATTORNEY FEE DOWN PAYMENT. or bankruptcy adversary fees.

Clients may pay fees & costs electronically via the secure payment service, LawPay, Click on the LawPay button above to make a payment.