The Cost of Filing Bankruptcy

Chapter 7 Bankruptcy
The Law Office of Christopher Hewitt is very competitive in terms of our convenience and speed of service throughout Riverside and Orange Counties. Chapter 7 bankruptcies' current average is just under $2,000, depending on many factors. When the debtor has all their income and debts organized and is not facing any lawsuits or other issues to complicate their bankruptcy, our firm may offer a lower rate. When our firm can complete your Chapter 7 within two hours during one session, this is what our firm would consider a straightforward, simple bankruptcy and, therefore, may offer a discounted price. If all you have is unsecured credit card debt and you do not have a financed car or own a home, this is considered a more straightforward case.

Complicating Factors
The things that would make bankruptcy more complex are whether you are self-employed and whether you have to analyze profit and loss statements. If you have over 100k in debt and make over the median income, but I can squeeze you into a chapter 7 because of hefty mortgage payments, then I usually charge more. If I have to go to court for a reaffirmation agreement on a car, which is only sometimes necessary but very predictable, then it will incur additional fees. Our Law Firm cannot offer any discounts during an emergency case. During an emergency case, it means you waited until the last minute to contact an attorney; therefore, we need more time to consider if the case will present additional problems requiring representation.

 If you own a home and have a car financed within three years, our firm would consider this an average case; therefore, the standard fee would apply. If you are self-employed, own a home, have financed cars, and have a high debt amount, it will most likely be closer to $2000 or even a bit more due to the complexities arising out of the case and the time it takes me to help you do adequate prebankruptcy preparations.

Chapter 13 Bankruptcy
The trustee determines Chapter 13 fees, but they are usually $5,000 since you will be a client for 3-5 years. I take installments and usually only need around $1900 to start. The rest of the payments will come from you via the trustee from your payment plan. My fees won't make your plan any more expensive, but instead, I will be receiving payments that you'd be paying your unsecured creditors.

Client Reviews
I highly recommend Christopher Hewitt. Chris was doing pretty good job on my case with full support from processing, scheduling and other questions. We are in desperate situation facing foreclosure and credit card debt at that time, he saved us. He has my highest recommendation with regard to his expertise. Rizal H K
We found the law office of Christopher Hewitt to be a pleasant relationship in our legal situation. The law office was always responsive and always treated my questions as important and answered very quickly. The law office always advised me and I got great advise on our situation. I would highly recommend this law office for your legal dilemma. John H
Ibegan a business relationship with the Law Office of Christopher Hewitt and dealt with Mr. Hewitt directly. I utilized his service in debt management and because of him i am debt free within 6 months!!! I cannot thank him enough for all the hard work he did and how effective he was with all my creditors. I definitely could not have been this successful with eradicating my debt if i had not employed Mr. Hewitt's services. I strongly recommend him and his Law Office to anyone looking for legal help. Thank you so much!!! Debra B.
The Law Office of Chris Hewitt was great at handling my debt settlement. I was able to speak directly with the attorney multiple times and he always knew what was going on with my accounts and gave me clear advise. I did not feel like he made any false promises and was very realistic about what the outcomes would be. At the end of the year I was able to pay off all my credit cards at less than 40% of what I owed at the time I hired him. I would highly recommend Chris Hewitt for any one who has debt issues and does not want to file for bankruptcy. Karen H.
Basically, if I could describe my experience with Chris Hewitt in three words they would be, professional, straight-forward, and helpful. Going into filing chapter 7 bankruptcy, I had no clue where to begin. Chris took me where I was at and guided me along a process that proved to be clearing financially and emotionally. Plus, I am quite certain nobody could have done it for a better price. I would recommend his service to anybody. Thank you. Dylan H.