SAVING YOU HUNDREDS, EVEN THOUSANDS IN BANKRUPTCY LEGAL FEES

Low lawyer fees based on your situation

Pay $0 down in most cases

Make payments based on your ability to pay

Why Choose Atlanta Bankruptcy Attorney Jack Sisson When Considering Chapter 7 or 13 Bankruptcy?

At the Atlanta Low Cost Bankruptcy Center, Law Offices of Jack Sisson, you receive personal, direct service from Atlanta bankruptcy attorney Jack Sisson. You are not handed off to junior staff under the supervision of an attorney like large firms. We will personally help you through the complicated bankruptcy process.

Call Us Today to Schedule a FREE Bankruptcy Lawyer Phone Consultation  (434) 337-3371

First class

"Your firm has given me faith that there actually are some good people in the field of law. My experience with Rubin and Associates was first class. Thank you for treating me with such dignity, patience, and care.” - David

Find the low cost bankruptcy attorney near you and request a free initial consultation

During your free initial consultation, your low cost bankruptcy attorney will spend whatever time is necessary with you to analyze your unique case. He or she will provide immediate feedback and a preliminary estimate of how much you can expect to pay, including all required court costs.

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Collect your paperwork

A second meeting is scheduled to obtain your information and documents, though often this can be done via a secure online portal. From that information, your low cost bankruptcy attorney will prepare your petition for your review and signature. It usually takes just a few days to complete, but in emergencies your low cost bankruptcy attorney can often react in hours.

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Review and sign your petition

Once you have reviewed and signed your bankruptcy petition, your low cost bankruptcy attorney will file your case with the court and keep you informed throughout the process.

LowCostBankruptcyCenters.com is a public service site to help people in financial need save money when hiring a bankruptcy attorney in the United States. It is not an attorney referral service or law firm. Bankruptcy law firms associated with Low Cost Bankruptcy Centers of America are independently owned and operated and may pay to receive inquiries through the organization. LeadQ Group takes no responsibility for the actions of the attorneys on this site. The decision to hire an attorney is an important one and should be made with a complete understanding of the consequences of filing bankruptcy and choosing and retaining a lawyer.

The information contained in this web site is intended to convey general information. It should not be construed as legal advice or opinion. It is not an offer to represent you, nor is it intended to create an attorney-client relationship. Testimonials are from clients of law firms listed on this site; photos are not the actual clients and are for representation purposes only. Every case and client experience is unique and should not be construed to be an indication of your experience or a specific case outcome with any specific attorney.

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Low Cost Bankruptcy Centers of America and logo are registered trademarks of LeadQ Group. Site and content ©2020 LeadQ Group. All rights reserved. Contact Low Cost Bankruptcy Centers of America / LeadQ Group at 871 Coronado Center Dr., Suite 200, Henderson NV 89052, info@lowcostbankruptcycenters.com

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5 Low Cost Bankruptcy Filing Options: Pros & Cons

Published by Low Cost Bankruptcy Centers of America

Here are five different ways to file a low cost bankruptcy – without paying high priced law firm fees – and the advantages and disadvantages of each. Which option is best for you?

People who are considering filing bankruptcy do so because their debts, and monthly debt payments, considerably outweigh their income. And accordingly, they do not have a stash of savings available to pay high priced attorneys. Consider each of these low cost bankruptcy filing options, and which best suits your filing situation, risk assessment, and available funds for assistance.

 1. File for bankruptcy yourself, “pro se”

Although, to save money, you may consider filing the paperwork yourself to file bankruptcy, it is extremely difficult to do so successfully, according to the Federal government. The rules are very technical and any misstep may result in the judge denying all of your debts, or other protections including the benefit of the automatic stay. If you misstate your case, even accidentally, it may be considered criminal bankruptcy fraud. Typically, only a small percentage of people filing bankruptcy pro se have their debt successfully dismissed by the court.

That being said, the strongest resource for helpful information and forms is the web site of the bankruptcy court where the case will be filed. While some courts occasionally provide free clinics to help debtors file on their own, court staff, can not provide legal advise. Even if you are successful in concluding a pro se bankruptcy filing, chances are you will not have taken advantage of all of the protections available under the law that a bankruptcy attorney would have achieved for you.

2. Look for low income pro bono (free) legal help in your community

In most states, legal aid societies have attorneys who may provide assistance to low-income debtors, or even free legal services. Your income situation may determine if you qualify for these services, and many communities do not have adequate resources to help all who inquire. Check your state’s bar association for a list of bankruptcy attorneys that may provide pro bono services for people in need.

3. Use a document prep service

Doc prep services will often provide you with the correct forms to complete in order to file bankruptcy. They may provide a packet of forms, a series of pdf digital files, or an app or software download to help walk you through the process. As a low cost option, bankruptcy doc prep can cost under $100. It may give you more guidance than your local court web site, but will not be able to answer questions about specific circumstances, and still leaves you open to potentially incorrectly filing your case. In general, the amount of money you save by using a doc prep service over a low cost bankruptcy attorney will be small in comparison to the additional debt an attorney can get dismissed for you.

4. Use the help of a paralegal

Often doc prep services are run by paralegals who charge low cost fees to help you accurately complete the required forms to file bankruptcy. Paralegals often charge $200-$500 to help you file your paperwork. For simple Chapter 7 cases, this may be a reasonable low cost bankruptcy filing option. However, as with the Pro Se and Doc Prep low cost options, you still do not have the assistance and guidance of an experienced bankruptcy attorney — and may miss out on the complete protections available to you. If you are considering filing Chapter 13, joint filing, or own considerable assets or property, a paralegal can not be your legal counsel to work through these circumstances.

5. Contact a low cost bankruptcy attorney

Low cost bankruptcy attorneys are available in all 50 states to help debtors take full advantage of U.S. bankruptcy law protections. In nearly every case, the additional debt dismissed by using a low cost bankruptcy attorney is many times greater than the marginal cost of hiring the attorney. If you can’t afford to pay the attorney fee, your bankruptcy attorney may be able to set up a payment plan, sometimes starting at $0 down, to get started — enabling him or her to immediately put a stop to any creditor harrassment you may be experiencing. You may also ask if your attorney may file a Fee-Only Chapter 13 Bankruptcy in which all of your attorney fees are paid post-bankruptcy through the court-ordered repayment plan.

You can find a local low cost bankruptcy attorney affiliated with Low Cost Bankruptcy Centers of America by simply searching this web site and inquiring for a free consultation.

Traditional multi-disciplinary attorneys

Traditional attorneys typically charge hundreds or even thousands of dollars more than LCBCA listed attorneys in the same market for full-service legal representation. Low Cost Bankruptcy Attorneys are the best value for most people in need of legal assistance when filing bankruptcy, especially if any assets or unusual circumstances are involved.

Low Cost Bankruptcy Blog

Why Choose Kansas City Bankruptcy Attorney Bill Sisson When Considering Chapter 7 or 13 Bankruptcy?

At the Kansas City Low Cost Bankruptcy Center, Law Offices of Bill Sisson, you receive personal, direct service from Kansas City bankruptcy attorney Bill Sisson. You are not handed off to junior staff under the supervision of an attorney like large firms. We will personally help you through the complicated bankruptcy process.

Find the Low Cost Bankruptcy Centers of America bankruptcy attorney near you:

Shannon was an entirely different experience

"After working 55 years, the concept of bankruptcy was repugnant. Shannon was an entirely different experience, she operated on a higher level than the others. Her questions were direct and to the point, as were her answers to mine. The bankruptcy was discharged exactly the way Shannon predicted. Shannon can get you through it while maintaining your dignity and self-respect." - Former client

Made the entire bankruptcy process incredibly smooth

"Shannon is highly experienced and made the entire bankruptcy process incredibly smooth, knowing exactly what documentation we needed to provide while anticipating (and helping us to avoid) any pitfalls. She has continued to support us with advice as we relocated due to my husband's job transfer. You will not regret working with Shannon!" - Current client

There for me every step of the way

"Shannon was such a blessing during such a dark time in my life. She explained the whole process and was there for me every step of the way. I am sure I wouldn't have had such a great experience had I worked with anyone else." - Former client

Call Us to Schedule a FREE Bankruptcy Lawyer Phone Consultation:

(434) 337-3371

Or, during non-business hours, request an appointment via email and we'll contact you:

Chapter 7 and Chapter 13 Charlottesville Bankruptcy Attorney Shannon T. Morgan

Shannon represents individuals in consumer bankruptcy and bankruptcy-related matters throughout the Commonwealth of Virginia and undertakes a limited number of cases on behalf of creditors in consumer bankruptcy cases. 

Prior to her relocation in 2012 to Virginia and subsequent admission to practice in Virginia in 2013, Shannon practiced law in both Alaska and Colorado. While enjoying a wide variety of legal experience over the years, from civil litigation to criminal defense, domestic relations, personal injury, and administrative law, bankruptcy is the common thread to her practice over the years and has become the passion of her legal career. She has successfully helped hundreds of clients navigate the bankruptcy process. 

Shannon, her husband, Scott, and their three children relocated to Virginia upon Scott’s retirement from the United States Air Force. They are happy to call Virginia home.

My goal is to provide quality legal services at reasonable prices.

Every case is important to me and each client is treated accordingly. As a sole practitioner, I am able to offer personalized service that is rarely available at the larger firms. I personally deal with each case. I strive to keep my clients well informed about their case so they have all the information necessary to make important decisions. I also take the time to educate my clients about the legal issues involved and the potential consequences of their decisions.

I am an Atlanta native with 30 years experience primarily in bankruptcy law. Having served the Atlanta County Justice Courts as a Judge Pro Tem from 2001 through 2008, I am a current member of the Atlanta Bar in good standing and admitted to practice law in all state and federal courts.

FREE Phone Consult: (434) 337-3371

5 Low Cost Bankruptcy Filing Options: Pros & Cons

Published by Low Cost Bankruptcy Centers of America

Here are five different ways to file a low cost bankruptcy – without paying high priced law firm fees – and the advantages and disadvantages of each. Which option is best for you?

People who are considering filing bankruptcy do so because their debts, and monthly debt payments, considerably outweigh their income. And accordingly, they do not have a stash of savings available to pay high priced attorneys. Consider each of these low cost bankruptcy filing options, and which best suits your filing situation, risk assessment, and available funds for assistance.

 1. File for bankruptcy yourself, “pro se”

Although, to save money, you may consider filing the paperwork yourself to file bankruptcy, it is extremely difficult to do so successfully, according to the Federal government. The rules are very technical and any misstep may result in the judge denying all of your debts, or other protections including the benefit of the automatic stay. If you misstate your case, even accidentally, it may be considered criminal bankruptcy fraud. Typically, only a small percentage of people filing bankruptcy pro se have their debt successfully dismissed by the court.

That being said, the strongest resource for helpful information and forms is the web site of the bankruptcy court where the case will be filed. While some courts occasionally provide free clinics to help debtors file on their own, court staff, can not provide legal advise. Even if you are successful in concluding a pro se bankruptcy filing, chances are you will not have taken advantage of all of the protections available under the law that a bankruptcy attorney would have achieved for you.

2. Look for low income pro bono (free) legal help in your community

In most states, legal aid societies have attorneys who may provide assistance to low-income debtors, or even free legal services. Your income situation may determine if you qualify for these services, and many communities do not have adequate resources to help all who inquire. Check your state’s bar association for a list of bankruptcy attorneys that may provide pro bono services for people in need.

3. Use a document prep service

Doc prep services will often provide you with the correct forms to complete in order to file bankruptcy. They may provide a packet of forms, a series of pdf digital files, or an app or software download to help walk you through the process. As a low cost option, bankruptcy doc prep can cost under $100. It may give you more guidance than your local court web site, but will not be able to answer questions about specific circumstances, and still leaves you open to potentially incorrectly filing your case. In general, the amount of money you save by using a doc prep service over a low cost bankruptcy attorney will be small in comparison to the additional debt an attorney can get dismissed for you.

4. Use the help of a paralegal

Often doc prep services are run by paralegals who charge low cost fees to help you accurately complete the required forms to file bankruptcy. Paralegals often charge $200-$500 to help you file your paperwork. For simple Chapter 7 cases, this may be a reasonable low cost bankruptcy filing option. However, as with the Pro Se and Doc Prep low cost options, you still do not have the assistance and guidance of an experienced bankruptcy attorney — and may miss out on the complete protections available to you. If you are considering filing Chapter 13, joint filing, or own considerable assets or property, a paralegal can not be your legal counsel to work through these circumstances.

5. Contact a low cost bankruptcy attorney

Low cost bankruptcy attorneys are available in all 50 states to help debtors take full advantage of U.S. bankruptcy law protections. In nearly every case, the additional debt dismissed by using a low cost bankruptcy attorney is many times greater than the marginal cost of hiring the attorney. If you can’t afford to pay the attorney fee, your bankruptcy attorney may be able to set up a payment plan, sometimes starting at $0 down, to get started — enabling him or her to immediately put a stop to any creditor harrassment you may be experiencing. You may also ask if your attorney may file a Fee-Only Chapter 13 Bankruptcy in which all of your attorney fees are paid post-bankruptcy through the court-ordered repayment plan.

You can find a local low cost bankruptcy attorney affiliated with Low Cost Bankruptcy Centers of America by simply searching this web site and inquiring for a free consultation.

Traditional multi-disciplinary attorneys

Traditional attorneys typically charge hundreds or even thousands of dollars more than LCBCA listed attorneys in the same market for full-service legal representation. Low Cost Bankruptcy Attorneys are the best value for most people in need of legal assistance when filing bankruptcy, especially if any assets or unusual circumstances are involved.

Find the Low Cost Bankruptcy Centers of America bankruptcy attorney near you:

What people are saying about Low Cost Bankruptcy Centers of America bankruptcy attorneys:

*Each Center is independently owned and operated and sets their own rates and payment terms. 

Could have charged more

"Mr. Ponath was very helpful. Our case was especially complicated and involved multiple issues from different states. He took the time to evaluate every detail and research the best possible paths for us to take depending on what may happen next. He thoroughly and accurately answered all of our questions, and he could certainly have charged more for the quality of his services.” - Michael 

Very responsive

"John Goetz was awesome! He was up front with his fees and he was always there to help. Not only did he know what he was doing, but he appeared to be quite respected by the trustee I had. He’s also very responsive to questions by email, which really really helps with the stresses of a bankruptcy. My case, in fact, could not have gone better. “ - Lauren, Ruckersville 

Immediately put at ease 

"From the minute I met Mr. Ponnock, I was immediately put to ease. He explained every step we would go through, and was always available if I had any questions. I highly recommend Andrew Ponnock. He is not only a great lawyer, but when you walk away you feel like you have a new friend.” - Ft. Lauderdale 

Low Cost Bankruptcy Centers of America bankruptcy attorneys make filing as easy as 1-2-3

Recent blog posts:

5 Low Cost Options for Filing Bankruptcy: Pros and Cons

Here are five different low cost ways to file bankruptcy – without paying high bankruptcy attorney fees – and the advantages and disadvantages of each. If you're looking for low cost bankruptcy options, which is best for you?   READ

How Much Does it Cost to File Bankruptcy?

The total cost to file bankruptcy in the U.S. includes fees for court filing, court administration, trustee surcharge, education courses, bankruptcy attorneys, and more. Here is the complete breakdown.   READ

Tips to Rebuild Your Credit Score After Bankruptcy

Yes, it is possible to rebuild your credit score after bankruptcy. While filing bankruptcy may impact your credit for up to 10 years, it doesn’t mean that you won’t be able to receive new credit, rebuild your credit score or recover your financial health during that time.   READ

What are Low Cost Bankruptcy Centers of America?

Low Cost Bankruptcy Centers are affordable local law firms where you can file for bankruptcy with the assistance of an experienced bankruptcy attorney without paying extravagant fees. Each independent attorney will meet with you for free to advise you on how to take advantage of U.S. bankruptcy laws that apply to your unique situation. 

Low Cost Bankruptcy Blog