A Bankruptcy and Debt Relief Lawyer and Attorney Andy Miofsky

2249 Pontoon Road, Granite City Illinois 62040


An Illinois Bankruptcy Lawyer and Attorney 618-931-1313 Offering Chapter 7 and Chapter 13 Bankruptcy Attorney information in Madison, St Clair & Southern Illinois counties

Bankruptcy Information

Available Chapters of Bankruptcy:

Chapter 7:  The court filing fee is $306.  Attorney fees are extra and vary from case to case, though most cases often involve a flat rate fee quote for a certain amount of work estimated to obtain a discharge.  Chapter 7 is commonly used to discharge unsecured debts such as medical bills, credit card accounts and personal loans.  Chapter 7 is also useful to surrender and discharge secured loans on real estate or vehicles that the debtor wishes to surrender.  Chapter 7 and Chapter 13 are the two most common forms of bankruptcy.

Chapter 11:  The court filing fee is $1213 and additional fees are charged by the US Trustee each calendar quarter during the life of the case.  Attorney fees are extra and vary from case to case.  Chapter 11 is a more complicated and more expensive form of bankruptcy that is most commonly used by business debtors.

Chapter 12:  The court filing fee is $246.  Attorney fees are extra and vary from case to case.  Chapter 12 is limited to those debtors who qualify by earning a primary living as Family Farmers or Fishermen.

Chapter 13:  The court filing fee is $281.  Attorney fees are extra and vary from case to case.  Chapter 13 is a method of paying certain debts over a 3 to 5 year period.  Chapter 13 can be viewed as a Chapter 7 on steroids, with certain unsecured debts being discharged, certain secured property can be surrendered and other debts can be paid at a reduced rate during the course of the case.
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