Bankruptcy – What Does It Cost To File?

FDCPA Lawsuits – Fight Back Against Abusive Debt Collectors!

Too often people fall behind on their bills and believe that they just have to take the abuse the debt collectors are dishing out.  Federal Arizona FDCPA phone calls to family and employerlaw closely regulates debt collectors and provides very specific guidelines as to what they can and can’t say when attempting to collect on a debt.  If you have been dealt with a debt collector who has treated you with disrespect, been dishonest, or treated you unfairly in any way you may have a claim against the debt collector.

If a debt collector has violated the FDCPA you may be entitled to statutory damages of up to $1,000 and any actual damages.

I handle FDCPA claims on a contingency basis.  This means that I don’t require you to pay any money unless I collect on your behalf. I will all of the filing fees and other costs to get your case filed.  If we win your case my office will be paid an agreed upon percentage of the total recovery on your behalf.

I also offer a free consultation to discuss your case and help you determine if you have a claim.  If we decide you have a claim it will cost you nothing out of pocket to move forward with your case.  What have you have you got to lose?  Don’t put up with the abuse from abusive debt collectors – fight back!

Sued by Midland Funding, Portfolio Recovery or CACH, LLC?  – Take Action!

debt buyersJunk debt buyers like Midland Funding, Portfolio Recovery Associates, Cavalry SPV, CACH, LLC – and dozens of other companies file thousands of lawsuits each and every month in Arizona.  In a recent study the Federal Trade Commission (FTC) found that junk debt buyers pay on average 4 cents on the dollar for the debts they file lawsuits on.  This means that if they are suing you for $10,000, they likely paid around $400 for the account!

Junk debt buyers often struggle to prove their cases at trial.  Putting up a good defense is vital to winning your case.  The most important thing to do is to take action.  I have handled hundreds of junk debt buyer lawsuits through all stages including arbitration and trial.

I handle all junk debt buyer cases on a flat fee.  Depending on the amount you are being sued for, whether the case is in the Arizona Justice Court system or if it was filed in the Superior Court your cost will likely range from $1,500 up to $3,500 for full representation.

I also provide limited scope services where I will assist you in drafting documents for self-represented persons as well as handling trials and arbitration hearings for those who have been representing themselves.  Limited-scope services will be charged in the $350-$750 range, depending on what work needs to be done.

Lost at Trial and Not Sure What Your Options Are?

Many people learn about the lawsuit filed by the junk debt buyer for the first time after a default judgment has already been entered. Arizona Justice Court AppealFurther, many people can’t afford an attorney to represent them and have gone to trial and lost.  What then?

I offer additional services to help those who are faced with a judgment.  Sometimes it is possible to get the judgment set aside due to procedural errors by the court or the attorney for the junk debt buyer.  Other times it will make sense to appeal your case to a higher court in hopes of having the ruling reversed.  For a Motion to Vacate your judgment I typically charge a flat fee of $750-$1,200.

If you decide to appeal your case, depending on the court your judgment was entered in, the typical charge in my office is $750 -$5,000 to appeal the case.  Please note that most of my appeals from a judgment issued in the Arizona Justice Court system are closer to the $750 fee while the appeals from a Superior Court judgment will likely be $5,000+.

Bankruptcy – What Does It Cost To File?

After I discuss the pros/cons of filing bankruptcy in my consultations with clients we get to the question that is on every one’s mind – what is this going to cost me? Bankruptcy prices (and level of service) vary from law firm to law firm, but most bankruptcy attorneys will charge a flat feKnowing When to File Bankruptcye for the entire process. This is different than most other types of legal service where clients are billed by the hour for the work that is completed (often charging $250-$350 an hour).

At the Skiba Law Group, PLC we offer more than just filing your bankruptcy. We are going to be with you every step of the way as you work to rebuild your financial life.

Dave Ramsey Debtor Education

And, when your bankruptcy is over our work is still not done. We have partnered with Dave Ramsey’s Debtor Education© program to assist you in moving forward towards financial freedom! This includes not only the required Debtor Education course, but a copy of “Starting Over” Dave Ramsey’s Post-Bankruptcy Survival Guide, and a ticket to the live Webinar “Thriving after Bankruptcy” presented by David Ramsey’s Financial Coaching.

Here at the Skiba Law Group we are currently charging the following prices for consumer bankruptcy:

Chapter 7 Bankruptcy Fee: $1,950

For a consumer chapter 7 bankruptcy case I charge $1,950. If, after meeting with you and learning the facts of your case it is determined that your case will be substantially more complicated, then there may be additional charges. The higher costs are usually associated with cases where a business is involved. However, for most of my clients the fee is $1,950.

In addition to this fee the bankruptcy court will charge you a filing fee and you will be required to take two credit counseling courses, all which will add an additional $400 on top of the legal fee. So, if you hire me to do your chapter 7 bankruptcy you are looking at a little over $2,300 for the entire 5 month process.

I understand that when going through financial troubles the last thing you need is another bill. With that in mind, I want you to be comfortable with the value that you will receive for your hard-earned money. My chapter 7 bankruptcy package includes all of the following services:

• Initial Case Evaluation by attorney John Skiba.

• Means Test Evaluation

• Preparation of Bankruptcy Petition, Schedules, and Statement of Financial Affairs.

• In-Person, Line-by-Line Review of Your Bankruptcy Court Filings with attorney John Skiba.

• Pre-Bankruptcy Credit Counseling Course.

• Pre-Meeting of Creditors Preparation Conference

• Representation at the Meeting of Creditors.

• Post-Filing Court/Trustee Negotiations


• Live Webinar – “Thriving after Bankruptcy” by Dave Ramsey’s Financial Coaching

• Copy of “Starting Over, Dave Ramsey’s Post-Bankruptcy Survival Guide”

All of the above services are included in the flat fee of $1,950 and are designed to not only assist you with your bankruptcy filing but to help you get back on your feet and take full advantage of your Fresh Start!

I encourage you to call other firms and ask them what their bankruptcy fees are. First, they will likely not tell you. For whatever reason attorneys are very hesitant to tell you what you are going to pay for your bankruptcy over the phone. Second, you will find that the value provided by the Skiba Law Group far exceeds your typical bankruptcy law firm. My goal is not to simply file your bankruptcy, but to help you and your family begin living again without the burdens of heavy debt.

You will meet with me at the initial consultation. I will personally handle your case. If you have a question or an issue come up during the bankruptcy process you can call me directly. You may be thinking, “why wouldn’t I be meeting with you, I am hiring YOU to be my attorney!” Again I invite you to ask around. You may be surprised to learn that even though you are hiring an attorney, you may rarely actually meet with your attorney or even have access to them over the phone.

To get started I require a minimum down payment of $500. I will work with you to set up a payment plan for the remaining balance.

Chapter 13 Bankruptcy Fee: $4,500

For most chapter 13 bankruptcy cases I charge a flat fee of $4,500 for the entire 3 to 5 year process. Chapter 13 bankruptcy fees are higher, mostly due to the fact that instead of being a five month process like a chapter 7 bankruptcy, a chapter 13 bankruptcy will last anywhere from three to five years. Essentially this fee gives you an attorney for bankruptcy matters for up to five years while your bankruptcy case is active.

Again, if your case presents unique challenges or involves significant complexity, the fee may be higher. However you will be made aware of this prior to any work being done on your case.

As with a chapter 7 bankruptcy there are additional costs of about $400 for the court’s filing fee and the credit counseling courses that have to be completed before and after the filing of your bankruptcy case. Chapter 13 bankruptcy cases are significantly more complex than a chapter 7 bankruptcy, and so there can be additional fees.

For instance, if you want to remove a second mortgage or home equity line of credit I am required to file a lawsuit against that bank to remove the lien. Proceedings such as this fall outside the regular chapter 13 bankruptcy fee and have an additional fee charged.

To get started with a chapter 13 bankruptcy we require a minimum down payment of $500. One benefit to a chapter 13 bankruptcy case is that it is not necessary to pay all of the legal fees prior to the filing of your bankruptcy case. Some of the fees can be paid out over the three to five years of your bankruptcy case, making it less expensive for you to get started on your bankruptcy case.

What About the Advertisement for $200 Bankruptcy?

You have likely seen the billboards around town advertising a bankruptcy for $200. It is important to understand what they are offering and be very wary of going down that path. If you engage one of these companies you will learn that you are not hiring an attorney but instead you are hiring a document preparer that will give you the bankruptcy forms and offer to type them up for you, but you will not get legal advice. You will not have an attorney accompanying you to the Meeting of Creditors held at the bankruptcy court. You will not have professional legal counsel if things go wrong. Bankruptcy is a complex legal process and should be treated as such. Even if you don’t hire me, hire an attorney. In the end you will save money and aggravation.

Arizona bankruptcy attorney John Skiba offers a free bankruptcy consultation to discuss your specific situation. He can be reached at (480) 420-4028 or via email at

Schedule a Free Consultation!

John Skiba, Esq. John Skiba, Esq.

We offer a free consultation to discuss your debt problem and help you put together a game plan to eliminate your debt once and for all. Give us a call at (480) 420-4028

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