Bankruptcy Payment Plans in Pennsylvania & New Jersey

Yes, you can file bankruptcy on a payment plan. It costs $99 to get started, and we begin work the moment you pay it. You pay the rest on whatever schedule works for you, with no pressure from us. One thing to know up front, because it matters: your case is filed once the fee is paid in full, and filing is what legally stops garnishments, foreclosures, and other creditor action.

What does $99 actually get me?

Three things, starting the day you pay it: we begin work on your case, you can send creditors to us instead of fielding their calls yourself, and you get a payment schedule you set.

We start work on your case. We begin putting together what your filing needs, and you stop carrying the question on your own.

You can tell your creditors to contact us instead of you. Once you have hired us, you can give them our number. For most people this is the part that changes daily life first, because the phone stops being something to dread.

And you get a plan you can actually afford, on your schedule. There is no deadline we impose and no penalty for taking longer.

When does the filing actually happen?

When the fee is paid in full.

Filing is the moment the automatic stay begins, and the automatic stay is the federal court order that stops creditor action against you. That covers wage garnishment, collection lawsuits, foreclosure sales, repossession, bank levies, and the collection calls themselves. Handing creditors our number is not that. It quiets the calls. It does not stop a court.

So here is the practical way to think about it. If nothing is scheduled against you yet, take the time you need. If something is scheduled, a garnishment already coming out of your paycheck or a sale date on your house, then the length of the plan is the thing working against you. Tell us that at the consultation and we will talk about how to get filed faster.

If you already have a sheriff sale date, call us at (609) 808-3300 rather than waiting on a form. That one is time-critical.

What does bankruptcy cost?

To get started	$99
Attorney fee, qualifying Chapter 7	$999 flat, complete
Everything else	Quoted at your free consultation, with payment plans available
Court filing fee, Chapter 7	$338, payable in four installments of $84.50, or waived entirely for filers under 150% of the federal poverty guideline. We file the waiver application for you.

For the full breakdown, see how much Chapter 7 costs, or read the terms of the $999 Chapter 7 offer to see whether you qualify.

Is it cheaper to keep paying the debt instead?

Usually not. Minimum payments on a maxed-out card can run for decades, and the balance can easily outlive the reason you borrowed in the first place. A Chapter 7 case is finished in about 90 to 120 days.

Common questions about paying for bankruptcy

Book a free consultation. It takes about 15 minutes, by phone or Zoom, and you will get an answer about what your case would cost before you commit to anything.