Lance Roger Spodek, P.C.

How much does it cost?

Price is always, an important question. Also an important question is what services will I receive for my money?

The interaction of cost and service is value.

Please note that Attorney Spodek sees every client personally. Your case will not be assigned to a legal assistant or a novice attorney. He will meet with you, without charge, analyze your financial situation and present to you the available options for debt relief under the federal bankruptcy laws.

We provide a free consultation.

our case can be started with our office for $99.

Once you are a client you can send each of your creditors one of our special stickers rather than money. The sticker tells your creditors that Attorney Spodek represents you and no further payments will be made by you to your creditors.

You will benefit from Attorney Spodek's more than 25 years experience as a consumer bankruptcy attorney and his track record of having filed thousands of successful consumer bankruptcy cases. He can obtain a Fresh Financial Start for you and your family.

Standard to Complex
Chapter 7
and
Chapter 13

We have found that almost all chapter 7 personal bankruptcy cases can be classified as standard or complex.

Chapter 7 Cases

Our standard chapter 7 bankruptcy service is a full and complete service. The court requires in all cases that before a bankruptcy case may be filed that certain pre-filing requirements be met and substantial documentation be obtained and presented along with the petition.

Our standard services includes, at no extra charge, attending to all of these requirements. They include:

Obtaining a Special Edition Credit Report of your obligations, transfers of your accounts to collection agencies, third-party assignees and if any judgments have been obtained against you; obtaining a copy of your IRS Tax Transcripts; the Pre-Filing Credit Class, performance and certification of the Financial Means Test; preparation and filing of your petition; payment of all court filing fess; representation at court hearings (as known as the Meeting of Creditors); a copy of your official filed bankruptcy petition; and the Post-Filing Credit Class.

Our total fee for a standard bankruptcy case is $1,625. However, you can get started for only $99 .

We offer a deferred payment plan. You can take months to pay the balance our legal fees in easy monthly installments.

Complex
Chapter 7 Cases

A complex bankruptcy case will present special circumstances or legal issues. If you wish to discharge tax debts, interest and penalties; if you are now operate a business; or if you have extraordinarily high debts your case may require special attention. Complex cases will incur some additional fee legal fees.

All fees are always discussed at the free consultation and are quote in writing before representation starts.

Chapter 13 Cases

A Chapter 13 cases will require partial or full repayment of creditors? claims. Once a Chapter 13 petition is filed all interest and finance charges stop at once. A Chapter 13 is used to stop a mortgage foreclosure in other special circumstances including cases of persons who's "financial means test results prevent them from filing for Chapter 7 protection.

There are many benefits from a Chapter 13 filing that should not be overlooked when faced with a serious financial problem. All of the benefits and features are fully discussed at your free consultation with attorney Spodek.

A Chapter 13 case is considerably more complex; the case will continue for three to five years and accordingly the legal fees are more than in a Chapter 7 case.