Cost to File Bankruptcy in New Jersey

Cost To File Bankruptcy In New Jersey

Our Fees Are Affordable AND We Offer Payment Plans Customized To YOUR Budget!

How much does it cost to file bankruptcy in New Jersey is a question most people want to know the answer to right away.

 Chapter 7 Bankruptcy in New Jersey

For most people, Chapter 7 Bankruptcy is the quickest, easiest, and most cost-effective choice. If you don’t own a home and don’t have too much income, Chapter 7 may be right for you. There is a range of fees, and payment plans are available as well. Click here to see our latest payment plans.

Chapter 13 Bankruptcy in New Jersey

Chapter 13 Bankruptcy is a re-payment plan or re-organization of your debts.  If you have  above-average income or equity in a home, Chapter 13 may be right for you.  Chapter 13 Bankruptcy cases are more complex than typical Chapter 7 Bankruptcy cases therefore the fees are little more costly.  BUT, a portion of the fees can be paid over 60 months making a Chapter 13 Bankruptcy case very affordable. 

Payment Plans Make Chapter 13 Bankruptcies Easier

Most people who need to file for bankruptcy don’t have the money it takes to pay the fees and costs associated with filing. Payment plans are usually the answer. We do convenient monthly and bi-weekly payment plans, that fit your budget,  to make paying for bankruptcy a little easier.  Click here to see our latest payment plans.


Court Costs

In addition to attorney’s fees for filing your case, there are Court costs typically around $325 which are due on filing.  In some cases, if you apply and the Court agrees, you may be able to pay the Court cost in four payments or even get the fee waived.  Click here to see our latest payment plans.

No Hidden Fees.

Be sure to ask when comparing payment plans between lawyers: do they charge extra for services that should be included in an average bankruptcy case such as appearing on your behalf at the 341 hearing,

Credit Rebuilding Advice.

Does your lawyer show you how to rebuild your credit after filing bankruptcy?  Its a service that all lawyers should offer, and, of course, we do.  Ask us about it.

How Do I Come Up With The Money To Pay For The Cost To File Bankruptcy In New Jersey?

Stop Paying Your Credit Cards.

The Cost To FIle Bankruptcy In New Jersey can be daunting. Many people can stop paying their credit cards once they have made the decision to file bankruptcy.  This often frees-up enough money to make payments for the attorney fee and  Court costs.  Other people have to rely on friends or family to give them the money.  Still others wait until they receive their tax refund as a way to fund the cost.

Use Your Tax Refund.

Use your tax refund to fund the cost to file bankruptcy in New Jersey. The research submitted to the National Bureau of Economic Research, conducted by a group of professors from Columbia University, the University of Chicago and Washington University in St. Louis, examined how bankruptcy filings spiked after people received their tax rebates in previous years.They estimate that another 200,000 consumers, who would otherwise not have enough money to file, will use their tax refunds to pay for bankruptcy this year.

Payment Plans

Check out our payment plans by clicking the box below.  Bankruptcy hits at the least opportune times – usually when you don’t have the money to pay the legal fee and maybe when a wage garnishment, car repo, or sheriff sale is imminent.  Payment plans are the answer.  Click here to see our latest payment plans.

Our office is conveniently located to serve all of Somerset County, Warren County, Passaic County, Hunterdon County, Union County, Morris County, and Middlesex County.

Cost to File Bankruptcy in Essex County New Jersey: Belleville, Bloomfield, Caldwell, Cedar Grove, Orange, East Orange, Fairfield, Glen Ridge, Irvington, Livingston, Maplewood, Millburn, Short Hills, Montclair, Nutley, Roseland, South Orange, Verona, West Caldwell, West Orange.

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Todd Murphy

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