Our fees are reasonable and vary from case to case. Once we have completed your free initial consultation, we will quote you a fee that is based on the complexity of your case and the amount of work we expect to do. We generally quote an all-inclusive rate which includes the filing fee ($306 in a Chapter 7 bankruptcy and $281 in a Chapter 13 bankruptcy), credit counseling sessions and general excise tax. In a Chapter 13 bankruptcy, it is often possible to defer a significant portion of the fee to be paid through your plan in order to reduce up-front costs. While some clients choose to pay the entire prepaid fee at once, many of our clients are on payment plans which allow us to begin working on your case now. When your last payment is ready, we will have all documents ready for you to sign and file. Once you have signed a fee agreement and made your first payment, you can immediately refer all calls from creditors to our office for handling.