$999 Chapter 7 Bankruptcy
A complete Chapter 7 filing for one flat attorney fee, for filers who qualify.
Wipe out credit card debt, medical bills, and personal loans, and start fresh. The eligibility check below tells you whether you qualify for this special offer.
The $999 flat fee is our complete fee for a straightforward Chapter 7 for qualifying filers, meaning Pennsylvania or New Jersey residents who don't own a home, don't hold more than $5,000 in cash or savings, haven't filed bankruptcy in the last 8 years, and whose household income is below 150% of the current federal poverty guideline for their household size. Cash or savings means cash, checking, savings, brokerage, payment apps and crypto, and does not include retirement accounts. The fee includes your attorney fee, the required credit counseling and financial management courses, your credit report, and an application to waive the $338 court filing fee. If the court denies the waiver, you must pay the filing fee to the court in four monthly installments of $84.50 for your case to proceed. The eligibility checker gives a preliminary answer; final eligibility is confirmed in your free consultation, and if the offer doesn't fit your situation, we'll quote you an affordable fee before you commit to anything.
Qualify, and one flat fee covers everything
Included in the $999
- Your attorney fee, start to finish
- All petition preparation and filing
- Your meeting of creditors
- The required credit counseling and financial management courses
- Your credit report and the court filing-fee waiver application
- The 7 Steps to a 720 Credit Score course
Why people choose it
- Flexible payment plans, so cost is not what holds you back
- One flat price, with no hidden or surprise charges
- 100% virtual, handled from home over phone or Zoom
- The same attorney with you from start to finish
Getting your credit back
A discharge wipes out the debt. It does not rebuild the credit file the debt left behind. 7 Steps to a 720 Credit Score is a bonus course included with your case, taught by Evergreen Financial Counseling, the nonprofit that also runs the two bankruptcy courses you are required to take. We pay for all three.
It covers what your score is actually built from, which accounts to open first, and the habits that move it. A 720 is the level where lenders start giving you their best terms, and the course aims you there.
How it works
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1
Step 1 of 4
Check eligibility
Answer a few quick questions to confirm the $999 flat fee fits your case.
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2
Step 2 of 4
Free consultation
We review everything with you over phone or Zoom and answer your questions.
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3
Step 3 of 4
We file
Filing stops the calls, lawsuits, and garnishment right away with the automatic stay.
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4
Step 4 of 4
Fresh start
Your qualifying debt is discharged in about 90 to 120 days.
$999 offer questions
Is the $999 really all I pay?
If you qualify, yes, for a straightforward Chapter 7. The $999 covers your attorney fee, the required credit counseling and financial management courses, your credit report, and an application to waive the $338 court filing fee. If the court denies the waiver, you must pay that filing fee to the court in four monthly installments of $84.50.
How do I know if I qualify?
Run the eligibility check above. Not everyone qualifies, and it is the fastest way to find out. The offer fits Pennsylvania and New Jersey residents who don't own a home, don't hold more than $5,000 in cash or savings, haven't filed bankruptcy in the last 8 years, and whose household income is below 150% of the federal poverty guideline for their household size. Cash or savings means cash, checking, savings, brokerage, payment apps and crypto, and does not include retirement accounts.
What if my case is more complicated?
We will still help. After your free consultation we will quote an affordable fee for your situation, with payment plans available.
Can I pay over time?
Yes. We offer flexible payment plans so cost is not what keeps you from getting relief.