{"id":701,"date":"2014-10-10T23:20:10","date_gmt":"2014-10-10T23:20:10","guid":{"rendered":"https:\/\/mn-bankruptcy.com\/blog\/?p=701"},"modified":"2025-08-11T19:54:28","modified_gmt":"2025-08-11T19:54:28","slug":"cheap-bankruptcy-attorney-only-99-to-file","status":"publish","type":"post","link":"https:\/\/mn-bankruptcy.com\/blog\/cheap-bankruptcy-attorney-only-99-to-file\/","title":{"rendered":"Don&#8217;t be Tricked by Misleading Bankruptcy Attorney Fee Advertising"},"content":{"rendered":"<p>A lot of the advertising about attorney fees for bankruptcy is misleading &#8211; even tricky. Today I checked on a Google ad and the web page it leads to which says a certain law firm will file a bankruptcy after a payment toward the attorney fee of only $99. \u00a0I found this to be not exactly accurate.<\/p>\n<p>The web page says that $99 toward the attorney fee, along with the court filing fee and counseling program fees, would be all one would have to pay prior to filing. \u00a0It was a slick web page, obviously done at considerable expense, where I found the following statement:<\/p>\n<p style=\"text-align: left;\">&#8220;You only have to pay the court filing fee of $335 and the credit report \/ credit course fees of $65 and an attorney fee of $99 to file.&#8221; \u00a0It also said: \u00a0&#8220;Only $99 Down, No Co-Signer Needed, File Now\/Pay over Time, Affordable Payment Plans&#8221; in big blue letters.<\/p>\n<div id=\"lp-pom-text-512\" class=\"lp-element lp-pom-text nlh\">\n<p class=\"lplh-58 lplh-77\" style=\"text-align: left;\">I wondered how can these people can be doing this. I could never cover my office rent, malpractice insurance, phone and internet bills and office supplies if I didn&#8217;t charge a lot more than that. \u00a0 So I went to the bankruptcy court web site and ran a search for actual cases they had filed. \u00a0This is not free, so I didn&#8217;t look very far. \u00a0All I did was check the last two cases this law firm filed to see what the attorney fee had been. \u00a0Attorney fees have to be disclosed on the bankruptcy petition. \u00a0What I found was that for the last two cases they filed, both Chapter 7s, their fee was $990. And the court filings also said they had received all of the $990 before filing the case. \u00a0 That&#8217;s lower than what I would usually charge, but it&#8217;s a lot more than $99.<\/p>\n<p class=\"lplh-58 lplh-77\" style=\"text-align: left;\">Now one thing you should understand about attorney fees in a Chapter 7 bankruptcy is this. If the attorney does not collect his or her fee prior to filing, any part of the fee that is still owing is just another debt in the bankruptcy case. The attorney is just another creditor. \u00a0The attorney, like all the other creditors, is under an immediate court order requiring that he or she do nothing to try to collect. \u00a0It is illegal and unethical for the attorney to collect anything from the client once the case is filed. \u00a0That&#8217;s why you may see references to a co-signer in some advertising. \u00a0The lawyer can still try to collect the fee from a co-signer as long as the co-signer is not his bankruptcy client. \u00a0This of course puts the bankruptcy lawyer in the position of being a bill collector. I don&#8217;t <strong>EVER<\/strong> want to be a bill collector.<\/p>\n<p class=\"lplh-58 lplh-77\" style=\"text-align: left;\">I went back to the web page thinking it must be referring to Chapter 13 bankruptcy only. When it comes to paying attorney fees after the case is filed, a Chapter 13 bankruptcy is a very different animal from a Chapter 7. If you file a Chapter 13 bankruptcy it is possible to pay part of the attorney fee through the Chapter 13 payment plan. \u00a0I hit Control F to search the page and typed &#8220;13&#8221; into the search box. \u00a0No mention of &#8220;13&#8221; or &#8220;Chapter 13&#8221; appears anywhere on the page. \u00a0The page seems to be talking about Chapter 7. \u00a0The only filing fee the page mentions is $335, which is the Chapter 7 \u00a0court filing fee. The court filing fee for a Chapter 13 is slightly lower.<\/p>\n<p class=\"lplh-58 lplh-77\" style=\"text-align: left;\">When I look at their web page I can see that it is very slick, and at the bottom is the name of a web development company that designed the page. \u00a0I can remember a few years back when I hired a person to redesign my page. \u00a0The person I hired started adding all sorts of new key words and content, which was submitted to me for review. \u00a0There was a whole lot of it, and it was hard to keep up with what the designer was doing. \u00a0Is it possible that the web designer wrote up this stuff while the law firm was not paying attention? \u00a0It could happen. \u00a0I&#8217;m now back to doing all my own web design work. I found that having my web page in the hands of a professional design and marketing person was scary.<\/p>\n<p class=\"lplh-58 lplh-77\" style=\"text-align: left;\">So maybe they just have a busy marketing person who they can&#8217;t keep up with. \u00a0 Maybe it&#8217;s not entirely the law firm&#8217;s fault. \u00a0But I do want to suggest to you that you should be very wary when you see something like this and don&#8217;t be taken in by it. If it seems to good to be true, it probably is.<\/p>\n<p style=\"color: #000000;\">This posting is for general information purposes only and is not legal advice. It does not create an attorney-client relationship. \u00a0I am a debt relief agency. I help people file for relief under the federal bankruptcy code.<\/p>\n<p style=\"color: #000000;\">Dave Kelly, Kelly Law Office, Minnetonka, MN 952-544-6356<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>A lot of the advertising about attorney fees for bankruptcy is misleading &#8211; even tricky. Today I checked on a Google ad and the web page it leads to which says a certain law firm will file a bankruptcy after a payment toward the attorney fee of only $99. \u00a0I found this to be not &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/mn-bankruptcy.com\/blog\/cheap-bankruptcy-attorney-only-99-to-file\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Don&#8217;t be Tricked by Misleading Bankruptcy Attorney Fee Advertising&#8221;<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[4,69,12,28,107,199,1],"tags":[109,112,103,208,147,146,200],"class_list":["post-701","post","type-post","status-publish","format-standard","hentry","category-bankruptcy","category-chapter-13","category-chapter-7","category-filing-bankruptcy","category-filing-process","category-too-good-to-be-true","category-uncategorized","tag-bankruptcy-2","tag-chapter-13-2","tag-chapter-7-2","tag-filing-process","tag-minnesota-chapter-13-bankruptcy","tag-minnesota-chapter-7-bankruptcy","tag-too-good-to-be-true-2"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Don&#039;t be Tricked by Misleading Bankruptcy Attorney Fee Advertising - Better Call Dave - Bankrupt MN Blog<\/title>\n<meta name=\"description\" content=\"A lot of the advertising about attorney fees for bankruptcy is misleading. Today I checked on a lawyer ad that says he&#039;ll file for $99 and found it less than accurate.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mn-bankruptcy.com\/blog\/cheap-bankruptcy-attorney-only-99-to-file\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Don&#039;t be Tricked by Misleading Bankruptcy Attorney Fee Advertising - Better Call Dave - Bankrupt MN Blog\" \/>\n<meta property=\"og:description\" content=\"A lot of the advertising about attorney fees for bankruptcy is misleading. 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Sometimes that seems like a long time, and other days I feel as if I just started. These days my practice is devoted entirely to counseling folks concerning their financial problems and representing them in Chapter 7 and Chapter 13 bankruptcy. One thing I don't do is credit repair. When asked about matters concerning credit scores, I like to say \\\"I'm a very good source of unreliable information about that.\\\" What I mean is that I hear a lot about it from my clients who often report back to me how they are doing after their bankruptcy is completed, sometimes even years later; but having heard some stories from a few people doesn't qualify me to give any advice. I spend a lot of time with my clients. I want to be sure we get it right. There are civil and criminal penalties for concealing or providing incorrect information in a bankruptcy care, and my goal is to keep myself and my clients as far away from problems like that as possible. You can find me in MInnetonka near I-394 and Hopkins crossroad. It's ten or fifteen minutes from downtown Minneapolis. You can see parts of Plymouth, Minnesota, Golden Valley, Minnesota and St. Louis Park, Minnesota from the high ground in front of my building. If you take a look at the map, you can see that most of St. Louis Park is closer to my office than many parts of Minnetonka.\",\"sameAs\":[\"http:\/\/www.mn-bankruptcy.com\"],\"url\":\"https:\/\/mn-bankruptcy.com\/blog\/author\/davekelly\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Don't be Tricked by Misleading Bankruptcy Attorney Fee Advertising - Better Call Dave - Bankrupt MN Blog","description":"A lot of the advertising about attorney fees for bankruptcy is misleading. 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Sometimes that seems like a long time, and other days I feel as if I just started. These days my practice is devoted entirely to counseling folks concerning their financial problems and representing them in Chapter 7 and Chapter 13 bankruptcy. One thing I don't do is credit repair. When asked about matters concerning credit scores, I like to say \"I'm a very good source of unreliable information about that.\" What I mean is that I hear a lot about it from my clients who often report back to me how they are doing after their bankruptcy is completed, sometimes even years later; but having heard some stories from a few people doesn't qualify me to give any advice. I spend a lot of time with my clients. I want to be sure we get it right. There are civil and criminal penalties for concealing or providing incorrect information in a bankruptcy care, and my goal is to keep myself and my clients as far away from problems like that as possible. You can find me in MInnetonka near I-394 and Hopkins crossroad. It's ten or fifteen minutes from downtown Minneapolis. You can see parts of Plymouth, Minnesota, Golden Valley, Minnesota and St. Louis Park, Minnesota from the high ground in front of my building. If you take a look at the map, you can see that most of St. Louis Park is closer to my office than many parts of Minnetonka.","sameAs":["http:\/\/www.mn-bankruptcy.com"],"url":"https:\/\/mn-bankruptcy.com\/blog\/author\/davekelly\/"}]}},"_links":{"self":[{"href":"https:\/\/mn-bankruptcy.com\/blog\/wp-json\/wp\/v2\/posts\/701","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mn-bankruptcy.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/mn-bankruptcy.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/mn-bankruptcy.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/mn-bankruptcy.com\/blog\/wp-json\/wp\/v2\/comments?post=701"}],"version-history":[{"count":22,"href":"https:\/\/mn-bankruptcy.com\/blog\/wp-json\/wp\/v2\/posts\/701\/revisions"}],"predecessor-version":[{"id":735,"href":"https:\/\/mn-bankruptcy.com\/blog\/wp-json\/wp\/v2\/posts\/701\/revisions\/735"}],"wp:attachment":[{"href":"https:\/\/mn-bankruptcy.com\/blog\/wp-json\/wp\/v2\/media?parent=701"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mn-bankruptcy.com\/blog\/wp-json\/wp\/v2\/categories?post=701"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mn-bankruptcy.com\/blog\/wp-json\/wp\/v2\/tags?post=701"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}