| Our Simple Charge/Fee Policy: Low Cost Bankruptcy, But + Highest Quality Service |
WHAT DO YOU CHOOSE?
Our Bankruptcy Charge/Fee Structure
The following, in a summary fashion, are our current. LOW,
LOW fees for bankruptcy service (for the full details for
each, click here on the Our Services page) :
Option 1: $39.00 (Chapter 7 or 13)
Option 2: $109.00 (Chapter 7 or 13)
Option 3: $239.00 (Chapter 7); $359.00 (Chapter 13)
(Option A: $29.95) (Chapter 7 or 13)
BEWARE!
BEWARE of The Claimed Fees by Some
Online Bankruptcy Document Preparers
that are Scam Bankruptcy Mills
You might, perhaps, probably find around the web lately,
a few other web sites in which the operators would an
amount or claim that they'll do the same work in our
Full Service Option of Bankruptcy Document Preparation
that we do, and they claim that they do it at less a price.
But is it REALLY so? Is it really LESS a price!
Well, let's be blunt and direct about this. Please be fully aware that for us at Afford-Bankruptcy.com, the
price we quote you here in this site for our services is just about the barest MINIMUM we've got to
get - given the exceptional QUALITY of work we do for our clients and the amount of time, care and
efforts we put into it.
Bankruptcy Mills, Bankruptcy Factories
Now, here's one relatively new phenomenon that you should be fully aware of. The FACT that, in this
business, there has emerged relatively lately especially in the Internet world, some operators who are
known as "Bankruptcy Mills" (also known as "Bankruptcy Mass Production Factories"). And, you know
what? We are not only definitely NOT one of those, but we definitely don't ever want to be one.
- Cut-rate "cheap" price, and shoddy, CHEAP, sub-par result?
- Low, low cost price, but with QUALITY and guaranteed quality product?
Our Bankruptcy Charge/Fee Structure
The following, in a summary fashion, are our current. LOW,
LOW fees for bankruptcy service (for the full details for
each, click here on the Our Services page) :
Option 1: $39.00 (Chapter 7 or 13)
Option 2: $109.00 (Chapter 7 or 13)
Option 3: $239.00 (Chapter 7); $359.00 (Chapter 13)
(Option A: $29.95) (Chapter 7 or 13)
BEWARE!
BEWARE of The Claimed Fees by Some
Online Bankruptcy Document Preparers
that are Scam Bankruptcy Mills
You might, perhaps, probably find around the web lately,
a few other web sites in which the operators would an
amount or claim that they'll do the same work in our
Full Service Option of Bankruptcy Document Preparation
that we do, and they claim that they do it at less a price.
But is it REALLY so? Is it really LESS a price!
Well, let's be blunt and direct about this. Please be fully aware that for us at Afford-Bankruptcy.com, the
price we quote you here in this site for our services is just about the barest MINIMUM we've got to
get - given the exceptional QUALITY of work we do for our clients and the amount of time, care and
efforts we put into it.
Bankruptcy Mills, Bankruptcy Factories
Now, here's one relatively new phenomenon that you should be fully aware of. The FACT that, in this
business, there has emerged relatively lately especially in the Internet world, some operators who are
known as "Bankruptcy Mills" (also known as "Bankruptcy Mass Production Factories"). And, you know
what? We are not only definitely NOT one of those, but we definitely don't ever want to be one.
Comparing:
Cheap
Vs.
QUALITY!
Cheap
Vs.
QUALITY!
What are Bankruptcy Mills or Factories? Simply, these are some fly-by-night, often scam, outfits on the Internet that are operated
by people who themselves really have no skills or experience in bankruptcy, nor much knowledge or training in bankruptcy issues or
court procedures, but almost suddenly have shown up lately on the Internet and now hold themselves out on the net as "document
preparers," primarily using the thick cover of anonymity of the Internet for overnight build-up of huge customer base through heavy,
paid, hard-hitting advertising on the Internet for customers. These outfits do their customers' bankruptcy paperwork primarily by
hiring a bunch of ill-trained and cheaply paid secretaries to do the bankruptcy papers on large volume basis, often turning out sloppy
work that are frequently rejected by the bankruptcy courts, generally done in quickie, rapid-fire, rushed fashion that are only similar to
shoddy, low quality, assembly-line type factory mills or mass production plants, in exchange for charging unsuspecting customers
some ridiculous "bottom level" fees!
The Bankruptcy Mills/Factories' Way.
But here's the thing! Often, these scam operations, under the
cover of the anonymity of the Internet, would pose and pretend
that they are, in fact, real FULL SERVICE BANKRUPTCY Service
providers. Yet, actually, they use NO human personnel at all in
their mass-processing operations, but rather, are merely
glorified handlers of fancy computer soft wares which only
require these handlers merely to enter debtors' financial
information into their computers - with virtually no HUMAN input,
interaction, or judgment whatsoever. Then they simply print out
the output straight out of their computers, in the manner of
brainless automated robots, and give it to you as "professional"
bankruptcy work!
The Afford-Bankruptcy.Com Way
In contrast, not so, however, with Afford-bankruptcy.com! Here,
at Afford-bankruptcy.com, we have all our work done only by
professionals, by human beings - who, of course, have to be
paid some - in return for a hands-on human touch and
QUALITY work!
GET THIS, for an example. By one study done by the federal
government, the tons and tons of bankruptcy paperwork (just the cheer volume of time it consumes in unnecessary and excessive
shuffling of papers that the "law" has forced upon us in the preparation of the papers), is estimated to take at least 11 hours to
complete at the very minimum. Eleven whole hours! So, you work it out and figure it out how much our charge comes to per hour of
our work! In deed, in our own experience at the Afford-Bankruptcy.com, some clients we've worked for in the past have themselves
even marveled to us at how hard we've had to work for them on their jobs -- how much time, the mountains of forms, paperwork,
deletions, changes, repeated back-and-forths and additions of newly discovered debts and creditors, etc., that we've often had to put
into their work.
With Afford-Bankruptcy.Com, It's Low, Low
Price, But With Guaranteed HIGHEST
QUALITY Work, Though!
Again, mind you that for our service at this Agency, we've got
skilled professionals (human beings) on our staff to pay,
college educated staff and specialists in bankruptcy
paperwork with several years of legal courses and paralegal
training and schooling, many with up to college level
(or beyond), and years of experience on the job, etc. And
these people, of course, have got to be paid some. Nothing
big, just a decent, average wage, and not just some slave
labor wage! FOR US, SIMPLY THE PRICE FOR QUALITY FOR
THE BENEFIT OF OUR CLIENTS. AND ONE THAT IS VERY
WELL WORTH IT - ABSOLUTELY!
Listen, the point is, we've got, at Afford-Bankruptcy.Com, our long-standing reputation for quality and excellence in customer work
performance, to maintain. We've got standards to maintain; and, just as well, we've got absolute, reasonable bottom-level
benchmark in customer fees to maintain, and below which point we just cannot fall - and still be able to maintain the high work
QUALITY and high work standards we're known for, for our clients.
THE BOTTOM LINE: You would want us (our human personnel who actually do the job) to do a good, even a great, job for a client
who hires us to do a job for him or her. Right?
If you, for example, were yourself to hire us to do a bankruptcy job for you, you would want and expect our personnel who handle your
work to be of a high grade quality, and of the caliber that is capable of turning out a decent, professional quality product for you,
wouldn't you? A QUALITY product that you can be certain would pass through the court system, and would get accepted by the
bankruptcy court for filing, right?
Well, that's precisely the point!
It's Simple. What's YOUR Own Choice and Preference?
Well, the latter is precisely who we are!
And this, we just aren't about to compromise on, for any price at all - EVER!
How about YOU? YOU'VE got your own choice to make. Which ONE of the two is it?
-----------------------------------------------------
**Our real, honest advice on this? In our experience in the professional arena, never should you make the EXACT amount of money
that one professional or worker charges relative to another one, the SOLE or primary judge you use in hiring the one you ultimately
settle on. That will be just about the most unwise decision-making process for a decision-maker to follow. When it gets to that level,
the level where the top two or three choices you've boiled your list to and are now considering to hire are all relatively bunched up
together in their prices just within basically the same range, then at that point if you still go on to nitpick too much on the specific price
differentials being charged by one as against the other, you better be prepared at that stage to, as the saying goes, "get just what
you pay for or ask for'"!
by people who themselves really have no skills or experience in bankruptcy, nor much knowledge or training in bankruptcy issues or
court procedures, but almost suddenly have shown up lately on the Internet and now hold themselves out on the net as "document
preparers," primarily using the thick cover of anonymity of the Internet for overnight build-up of huge customer base through heavy,
paid, hard-hitting advertising on the Internet for customers. These outfits do their customers' bankruptcy paperwork primarily by
hiring a bunch of ill-trained and cheaply paid secretaries to do the bankruptcy papers on large volume basis, often turning out sloppy
work that are frequently rejected by the bankruptcy courts, generally done in quickie, rapid-fire, rushed fashion that are only similar to
shoddy, low quality, assembly-line type factory mills or mass production plants, in exchange for charging unsuspecting customers
some ridiculous "bottom level" fees!
The Bankruptcy Mills/Factories' Way.
But here's the thing! Often, these scam operations, under the
cover of the anonymity of the Internet, would pose and pretend
that they are, in fact, real FULL SERVICE BANKRUPTCY Service
providers. Yet, actually, they use NO human personnel at all in
their mass-processing operations, but rather, are merely
glorified handlers of fancy computer soft wares which only
require these handlers merely to enter debtors' financial
information into their computers - with virtually no HUMAN input,
interaction, or judgment whatsoever. Then they simply print out
the output straight out of their computers, in the manner of
brainless automated robots, and give it to you as "professional"
bankruptcy work!
The Afford-Bankruptcy.Com Way
In contrast, not so, however, with Afford-bankruptcy.com! Here,
at Afford-bankruptcy.com, we have all our work done only by
professionals, by human beings - who, of course, have to be
paid some - in return for a hands-on human touch and
QUALITY work!
GET THIS, for an example. By one study done by the federal
government, the tons and tons of bankruptcy paperwork (just the cheer volume of time it consumes in unnecessary and excessive
shuffling of papers that the "law" has forced upon us in the preparation of the papers), is estimated to take at least 11 hours to
complete at the very minimum. Eleven whole hours! So, you work it out and figure it out how much our charge comes to per hour of
our work! In deed, in our own experience at the Afford-Bankruptcy.com, some clients we've worked for in the past have themselves
even marveled to us at how hard we've had to work for them on their jobs -- how much time, the mountains of forms, paperwork,
deletions, changes, repeated back-and-forths and additions of newly discovered debts and creditors, etc., that we've often had to put
into their work.
With Afford-Bankruptcy.Com, It's Low, Low
Price, But With Guaranteed HIGHEST
QUALITY Work, Though!
Again, mind you that for our service at this Agency, we've got
skilled professionals (human beings) on our staff to pay,
college educated staff and specialists in bankruptcy
paperwork with several years of legal courses and paralegal
training and schooling, many with up to college level
(or beyond), and years of experience on the job, etc. And
these people, of course, have got to be paid some. Nothing
big, just a decent, average wage, and not just some slave
labor wage! FOR US, SIMPLY THE PRICE FOR QUALITY FOR
THE BENEFIT OF OUR CLIENTS. AND ONE THAT IS VERY
WELL WORTH IT - ABSOLUTELY!
Listen, the point is, we've got, at Afford-Bankruptcy.Com, our long-standing reputation for quality and excellence in customer work
performance, to maintain. We've got standards to maintain; and, just as well, we've got absolute, reasonable bottom-level
benchmark in customer fees to maintain, and below which point we just cannot fall - and still be able to maintain the high work
QUALITY and high work standards we're known for, for our clients.
THE BOTTOM LINE: You would want us (our human personnel who actually do the job) to do a good, even a great, job for a client
who hires us to do a job for him or her. Right?
If you, for example, were yourself to hire us to do a bankruptcy job for you, you would want and expect our personnel who handle your
work to be of a high grade quality, and of the caliber that is capable of turning out a decent, professional quality product for you,
wouldn't you? A QUALITY product that you can be certain would pass through the court system, and would get accepted by the
bankruptcy court for filing, right?
Well, that's precisely the point!
It's Simple. What's YOUR Own Choice and Preference?
- Do you want cheap, maybe dirt cheap, prices - but with shoddy, sub-par, unreliable, LOW QUALITY output and outcome?
Then, you make your choice, accordingly.
- Do you rather want low cost service, even very, very low cost service that's fair, reasonable, and proper - but with
EXPERIENCE, PROFESSIONALISM and GUARANTEED HIGH QUALITY OUTPUT?
Well, the latter is precisely who we are!
And this, we just aren't about to compromise on, for any price at all - EVER!
How about YOU? YOU'VE got your own choice to make. Which ONE of the two is it?
-----------------------------------------------------
**Our real, honest advice on this? In our experience in the professional arena, never should you make the EXACT amount of money
that one professional or worker charges relative to another one, the SOLE or primary judge you use in hiring the one you ultimately
settle on. That will be just about the most unwise decision-making process for a decision-maker to follow. When it gets to that level,
the level where the top two or three choices you've boiled your list to and are now considering to hire are all relatively bunched up
together in their prices just within basically the same range, then at that point if you still go on to nitpick too much on the specific price
differentials being charged by one as against the other, you better be prepared at that stage to, as the saying goes, "get just what
you pay for or ask for'"!
| At Afford-Bankruptcy.Com, when it's guaranteed, it's GUARANTEED |
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No part of any materials and contents, including, but not limited to, written contents, graphics or logos, on this Website,
may be copied, photocopied, reproduced, translated or reduced to any electronic medium or machine-readable form, in
whole or in part, or otherwise used, without the specific written permission and authorization of the Site’s Director. All
rights, titles and interests (including, but not limited to, all copyrights, trademarks, service marks, patents and other
intellectual property rights) in this Site, as applicable, as well as its content, belong to Afford-Bankruptcy.com, and we
reserve the absolute rights to prosecute any and all person(s) or entities, to the fullest extent of the law, who infringe
upon any rights hereto in any way or manner whatsoever. And NOTE that when you read or use this site, you are doing
so solely and only under the understandings and the agreement which you’ve duly entered into in this TERMS OF USE.
No part of any materials and contents, including, but not limited to, written contents, graphics or logos, on this Website,
may be copied, photocopied, reproduced, translated or reduced to any electronic medium or machine-readable form, in
whole or in part, or otherwise used, without the specific written permission and authorization of the Site’s Director. All
rights, titles and interests (including, but not limited to, all copyrights, trademarks, service marks, patents and other
intellectual property rights) in this Site, as applicable, as well as its content, belong to Afford-Bankruptcy.com, and we
reserve the absolute rights to prosecute any and all person(s) or entities, to the fullest extent of the law, who infringe
upon any rights hereto in any way or manner whatsoever. And NOTE that when you read or use this site, you are doing
so solely and only under the understandings and the agreement which you’ve duly entered into in this TERMS OF USE.
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| Our Fee Structure and Fee Policy At Afford-Bankruptcy.Com: Low Cost, But Plus Highest Quality Service |
What would be my total out-of-pocket bankruptcy cost using the Afford-Bankruptcy.Com?
First, get this clear. There is a fee to file a bankruptcy petition --- the FILING fees. The amount varies depending on which chapter of
bankruptcy (chapter 7, 11, 12 or 13) you are filing.
The basic costs for your bankruptcy filing
Basically, using our services (FULL SERVICE) for your bankruptcy filing, this is what would roughly be your TOTAL ball park figure of what it
would cost you:
1. $239 --- the charge, for CHAPTER 7 Bankruptcy, that you pay to the Afford-Bankruptcy.Com staff for doing ALL the necessary papers for
you. (It is $349, if it is Chapter 13 Bankruptcy).
2. $30 to $50 or so --- the CREDIT COUNSELING fee you'll pay to the counseling agency. The exact amount you pay on this would depend on
what state you're located. Get the exact amount you'll pay at this site: www.usdoj.gov/ust Click: "Credit Counseling & Debtor Education." This
site contains list of the agencies approved by the government to provide this service.
3. $299 --- the court FILING FEE for Chapter 7 Bankruptcy. You'll have to pay this DIRECTLY to the Court Clerk's office to file the papers at the
time of filing. (It's $274, if it is Chapter 13 Bankruptcy).
4. $40 to $70 or so --- the Financial Management fee you'll need to pay to the agency that conducts this course in your area. This will need
to be paid towards the end of the bankruptcy. Get the exact amount you'll pay at this same site: www.usdoj.gov/ust Click: "Financial
Management & Debtor Education."
Can you avoid paying these fees?
Not paying the filing fee in FULL can be cause for a case to be dismissed, or not paying a part of it that might still be remaining. Generally,
this fee cannot be waived (or, more correctly stated, true there is a provision under the law to get it waived, but in practice it is hard to get the
judge to grant you that waive for it). To get the fee WAIVED altogether, YOU (the debtor) will usually apply especially to the court for a waiver
(by filing a form, Form 3B) that asks a lot of questions about your financial status and why you think you qualify to be granted a waiver, etc.
Then, you'll have to appear before a judge and justify your request in a hearing. NOTE: Because of all the hassles involved in getting a waiver
for the filing fees, most debtors just opt to find a way to pay the fees whichever way they can!
The FILING fee is due at the time the bankruptcy petition is filed. Now, if an individual debtor (but not a corporation or partnership) is really
unable to pay the full fee at the time of filing, there is really ONE realistic option that's available which he/she can use to take care of that. He
may apply with the Court Clerk’s office, at the same time that the petition papers are filed, to pay that fee on INSTALLMENT payment basis.
The form to make this application is available from the Clerk's Office. (The AFFORD-BANKRUPTCY.COM staff will provide you the necessary
forms and information to do this).
NOTE: A better way that avoids causing any potential problems for the debtor, is for the debtor to pay the fee IN FULL at the time he/she
files the papers in court. Experts say that even if you happen to choose the INSTALLMENT option that allows you to pay by installment, that it
will still serve you better if you try and pay a minimum of, say, $50 at the time you bring your paperwork to the court for filing, and make sure
you pay up the remainder of the fee in monthly installments within three months. (Not paying up this money, or paying it up on time, has
been known to be the cause which lead to the dismissal of many bankruptcy cased filed by debtors).
| What is the TOTAL COST OF YOUR BANKRUPTCY WITH US? See below, at the ending part |
| THE TOTAL COST OF YOUR BANKRUPTCY WITH US! |