By Ryan C. Wood
To file a low cost bankruptcy in San Mateo County choose West Coast Bankruptcy Attorneys. The first issue to resolve is whether filing for bankruptcy protection is in your best financial interest. During your free consultation, and not all attorneys will provide their time for free, we will discuss your income, expenses and assets to determine if you qualify to file a chapter 7 bankruptcy, or if there is a reason why filing a chapter 13 case would be best. In most chapter 7 and chapter 13 cases you will be able to keep all of your stuff like household goods, vehicles and other assets. After determine that bankruptcy is an option that can help you we will discuss the costs to file bankruptcy.
Reasonable Attorney Fees
All of our attorney fees are extremely reasonable and they are flat fees. You may call us a hundred times with a hundred questions and the amount you pay us will be the amount you agree to in the retention agreement. Some attorneys will charge you for each call or limit you to only a few phone calls. Not only do we not limit your contact with us, but you will speak to an actually attorney to have your questions answered. You should not accept have to speak with unlicensed and inexperienced paralegals or legal assistants. You should not be paying $2,000 or more in attorney fees for a no asset Chapter 7 bankruptcy case.
Least Expensive Required Courses and Credit Reports
The reforms of the Bankruptcy Code in 2005 require that two courses be completed when filing for bankruptcy. The first course must be completed before the bankruptcy case is filed. The second course is completed after the case is filed. At West Coast Bankruptcy Attorneys we do not increase the cost of these courses to make more money.
1. Credit Counseling Course – FREE or $5.00 Per Person
The first course, Credit Counseling, must be completed before your bankruptcy case is filed. We have found a Court approved provider of the Credit Counseling course for FREE if your income is less than the median income for the number of people in your household. Other attorneys will not only charge you for the course, but increase the fee for the course by $20-$30 so that they pocket some money each time a client of theirs completes the course. We believe this is wrong and a disservice to our clients in their time of greatest need.
2. Financial Management Course
The second course, Financial Management Course, must be completed within 45 days of the Meeting of the Creditors. See the Chapter 7 Time Line or Chapter 13 Time Line for all the steps necessary to complete the bankruptcy process. At West Coast Bankruptcy Attorneys we are constantly searching for the lowest prices for this course. We have found a Court approved provider of this course for $9.99 per person. Again, other attorneys will not only charge you for the course, but increase the fee for the course by $20-$30 so that they pocket some money each time a client of theirs completes the course. We believe this is wrong and a disservice to our clients in their time of greatest need.
3. Credit Reports
At West Coast Bankruptcy Attorneys we only charge are clients exactly what it costs us to obtain your credit report from all three credit bureaus. Again, other attorneys will not only charge you for the credit report, but increase the fee for the credit report by $20-$60 so that they pocket some money each time a client they obtain a credit report for their clients. We believe this is wrong and a disservice to our clients in their time of greatest need.
At West Coast Bankruptcy Attorneys we are committed to providing the best bankruptcy experience for the lowest cost possible. We do not increase the costs of the required courses or credit reports to pocket extra money. Call us now toll free at 1-877-9NEW-LIFE to start your new life without your burdensome debts. Visit our Redwood City bankruptcy lawyers or Fremont bankruptcy lawyers on-line now.