Affordable Hawaii Bankruptcy

Attorney William C. Bullard is dedicated to providing the highest quality Chapter 7, Chapter 13, and debt relief legal services to clients in an affordable, cost effective, results driven manner.

In order to reduce overhead and provide clients value and experience, William has been able to efficiently streamline the process of gathering the financial information necessary to file your Chapter 7 or Chapter 13 petition. He has further reduced overhead by marketing solely on the Internet - No radio, television, print, billboard ads, no paralegals, and no luxurious high-rent office space. By greatly reducing the firm overhead, these savings are passed on to clients who deserve experienced, full service, legal assistance at an affordable price.

When other debt relief methods have failed or are not an option, bankruptcy may be the only relief available. At times like these an affordable bankruptcy solution can make all the difference.

Pricing Simple Chapter 7 Bankruptcy

The base price for attorney fees in a Simple Chapter 7 Case is $1,199.00. The Bankruptcy Court Chapter 7 filing fees are an additional $338.00 totaling $1,537.00. Structured payment plans are available, however full payment of the fee amount is required before your petition can be filed.

Required Credit Counseling and Debtor Education Courses

The bankruptcy code requires each person filing for bankruptcy to take a Credit Counseling Course prior to filing the petition and later there is another mandatory Debtor Education Course. The typical cost charged by court approved online course providers is $10.00 per person per household. Clients pay the course providers directly.

Structured Payment Plans

Often those considering filing bankruptcy are in such financial difficulty that raising the funds for attorney fees and court costs seems out of reach. The solution is our structured payment plan. Here is how it works.

Once you receive the initial forms that will help you gather the information necessary to file bankruptcy, you then make the initial non-refundable $300 retainer to get your case started. Structuring the payments of the balance owed is up to you. You may pay in the balance at your own pace but clients are required to be paid in full within 90 days after the initial interview to avoid additional fees to the Simple Chapter 7 Pricing structure. Many clients elect to make weekly payments and once the total amount has been deposited, I send a copy of the petition to review prior to filing and once approved I file the bankruptcy petition. Call (808) 722-1746 today to discuss your payment options.

What is a Simple Chapter 7 Case?

The $1,199.00 attorney fee applies to cases limited by the following:

(1) Not a joint petition.

(2) 50 or Fewer Creditors.

You have less than a total of 50 creditors.

(3) Pending Lawsuits.

You have no more than two pending lawsuits.

(4) No Businesses or Business Assets.

The person or person filing for bankruptcy must not have a significant business operation or business assets at the time the case is filed.

(5) Tax Cases.

Cases involving the discharge of federal, state, or local taxes are excluded from this fee structure.

(6) Payment of Fees and Costs.

You will pay an initial non-refundable retainer fee of $300 to handle your case. All fees and costs must be paid, and you must provide us with all information needed to file your case, within 90 days after the initial interview. If the case is not filed

within 90 days

after the initial interview, the total fee will be higher.

(7) Computer and E-Mail Capabilities.

You must have a personal computer or computer like device, have the knowledge and ability to correspond via e-mail, and the ability to open, view and print files in Adobe PDF format (Portable Document Format). Experience has taught us that it is much more difficult, time consuming and expensive to communicate with clients via U.S. mail, or when the client is repeatedly required to visit the office to review or deliver documents in person. It is much more efficient and less expensive to communicate with clients that have computer and e-mail skills.

Beyond the Simple Chapter 7 Case

The attorney fees for a Chapter 7 depend upon the complexity of your case and are determined on a case by case evaluation. If your case happens to be complicated by pending divorce, judgment liens, complex business debts, previous filings, or adversarial proceedings, additional costs associated may be applied but they are low and are added to the low base cost of $1,199.

WILLIAM C. BULLARD RESERVES THE RIGHT TO QUOTE FEES AFTER A FULL REVIEW OF A POTENTIAL CASE TO DETERMINE ELIGIBILITY UNDER DIFFERENT BANKRUPTCY CHAPTERS AND THE COMPLEXITY OF THE CASE.

Chapter 7 Personal One on One Service

At the Law Offices of William C. Bullard you will deal directly one on one with William Bullard from start to finish. William is available to answer your calls seven days a week including holidays from 5:00 am to 8:00 pm HST. In Chapter 7 cases he handles the following services:

• Free initial bankruptcy consultation
• Chapter 7 means test qualification
• Collection and review of case documents
• Preparation of your bankruptcy petition
• Fielding creditor phone calls and preventing creditor harassment
• Filing of your Chapter 7 bankruptcy petition
• Notices to state court judges, court administrators, and opposing attorneys of the filing of your Chapter 7 bankruptcy petition
• Ceasing garnishment of wages
• Assistance in enrollment in pre-petition and post-petition credit counseling courses
• Representation at your § 341 meeting of the creditors
• Notification of discharge

Simple Chapter 13 Bankruptcy

The attorney fees for Chapter 13 cases are regulated by the Bankruptcy Court. The attorney fees are $3,600.00, plus $313.00 for court filing fees. If the Chapter 13 plan is confirmed at the first hearing there is another $300.00 provided to the attorney at no additional cost to you. The total cost to you, therefore, is $3,913.00. A payment of $1,500.00 is required in order to start work on your case. The Chapter 13 filing fee payment of $313.00 is required before I file your petition.

The balance owing for your remaining attorney fees will be included in your monthly plan payment to the Chapter 13 Trustee. The cost of Credit Counseling and Debtor Education courses is not included but is $10.00 per course per household.

As in our Chapter 7 cases, there are complex issues that may arise and increase costs. Call for a free consultation and we can discuss your particular situation and what could possibly arise to increase your cost.

Services provided through our firm for a simple Chapter 13:

• Free initial bankruptcy consultation
• Review Chapter 13 debt limits
• Review of case documents
• Prevention of creditor harassment
• Preparation of your bankruptcy petition
• Field creditor phone calls
• Calculate plan payment
• Filing of your Chapter 13 bankruptcy petition
• Filing of your Chapter 13 payment plan
• Assistance in enrollment in pre-petition and post-petition credit counseling courses
• Representation at your 341 meeting of the creditors
• Trustee plan recommendations
• Chapter 13 plan confirmation
• Notification of discharge