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How much does Chapter 13 cost?

June 29, 2022

By Diane Drain Attorney & Retired Law Professor

In most Chapter 13 cases, attorneys’ fees are paid in part before the case is filed, with the outstanding balance, if any, paid by the Trustee from the debtor’s payments into the plan. Attorneys in Arizona may charge a flat fee (determined by the Bankruptcy Court) or, more often, by the hour. Because the chapter 13 process takes three to five years, it’s impossible to predict how much the fees will be. Some situations are more complicated than others, or there are a lot of challenges to confirmation or claims, or the debtor doesn’t keep up with his or her house payments or Trustee payments. Life transitions marriage, divorce, death, a rise or drop in income, and a hundred other concerns  occur every three to five years. It is essential to speak with an experienced chapter 13 attorney about this situation.

After your bankruptcy has been filed, never pay your attorney directly.

Requests for additional attorney fees must be considered by the court, and if accepted, the fees would be added to the obligations paid under the plan.

Attorneys who offer lower rates or TV or Internet advertising firms (many of which have gone bankrupt after stealing their clients’ money, such as Phillips and Associates) should be avoided at all costs. These firms charge exorbitant rates and employ coercion to persuade customers to use their services.

By |Published On: June 29th, 2022|Last Updated: July 28th, 2022|

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About the Author: Diane Drain

Diane L. Drain - Bankruptcy LawyerDiane is a well respected Arizona bankruptcy and foreclosure attorney. As a retired law professor, she believes in offering everyone, not just her clients, advice about bankruptcy and Arizona foreclosure laws. Diane is also a mentor to hundreds of Arizona attorneys.

*Important Note from Diane: Everything on this web site is offered for educational purposes only and not intended to provide legal advice, nor create an attorney client relationship between you, me, or the author of any article. Information in this web site should not be used as a substitute for competent legal advice from an attorney familiar with your personal circumstances and licensed to practice law in your state. Make sure to check out their reviews.*

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You and Jay are the best attorneys I have ever had or needed and thank God for the Honorable Robert Gottsfield in recommending you folks – I would have never made it through the entire process without you and Jay and God Bless you both always and stay in touch as well. You folks are the BEST OF THE BEST in Arizona.

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I can’t say enough good things about Diane. The way she handled my not typical circumstances was amazing. I was very nervous to start the bankruptcy process but Diane just has a very comforting way of explaining the whole process. My only regret is that I didn’t find Diane sooner. If you find yourself in a financial situation that you can’t correct on your own, please Call Diane Drain as soon as possible.

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