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Bankruptcy filings in the (United States~U. S.} are steadily increasing and the need for knowledgeable bankruptcy attorneys is in demand more than ever. Nationwide bankruptcy filings this past year topped 1.4 million, rising from 1.7 million in 2008 based on the Administrative Office of the U.S. Courts. With this speed citizens might experience the amount of bankruptcy filing top 2 million in 2010 and the amount of bankruptcy lawyers and law firms provide bankruptcy rise as well to accommodate people filing personal bankruptcy. The Net is packed with bankruptcy attorneys and bankruptcy law firms advertising things like “ $100.00 get’s you started” and “free consultation” or “bankruptcy as low as” etc., but watch out for bargain bankruptcy lawyers! When it comes to advertisements that stateadvertising “$100.00 get’s you started”, what do you really see yourself getting for $100.00? You’re right, ZIPPO! Also, if they offer you a free consultation double check it’s with the bankruptcy lawyer that’s actually filing your bankruptcy. The most common type of bankruptcy is chapter 7, but since the enactment of the “means test” in 2005 filing chapter 7 bankruptcies is more backbreaking nowadays and more homeowners must now file chapter 13. While a chapter 7 allows someone filing bankruptcy to completely eliminate their debt a chapter 13 is a repayment plan, typically lasting 5 years. A problem with bankruptcy is that it’s not an accurate science and giant bankruptcy firms, for example Legal Helpers are getting many complaints from consumers trying to get a discounted price when filing bankruptcy. The complete business pattern of these law firms is to get a $100.00 commitment so the consumer will not go anywhere else to hire an attorney. ”It’s ridiculous, what do you think a bankruptcy attorney is really going to do for you for $100.00” says James D. Zhou, bankruptcy lawyer in California and senior partner with the Law Offices of Zhou & Chini. Zhou goes on to say, “bankruptcy is complicated and consumers should consider paying a reasonable fee to a bankruptcy attorney to get a good resolution. Horror stories about these mega bankruptcy law firms are abundant, these firms should consider being upfront and honest with their clients and tell them $100.00 is just to get them to commit to file bankruptcy with their office. Bankruptcy lawyers should typically accept payment plans but none we know of will file your bankruptcy petition unless you are paid in full”.

While the cost for filing a chapter 7 throughout the country may range from $1200.00 to $4,000 dependant on the county someone lives in and the complexity of the bankruptcy, the average cost for a chapter 7 in California is about $2500.00 and $4,000 for a chapter 13 bankruptcy. If you try to find a bargain basement bankruptcy lawyer on the web you may end up with a bigger problem than the reason you are filing bankruptcy. Normally when someone feels they’re going bankrupt is when they start to scout out a bankruptcy lawyer and cost is their first priority. Expect to pay a fair and reasonable price for a bankruptcy lawyer and don’t think bargain basement is better, or $100.00 get’s you anything but a trouble. Most honest bankruptcy attorneys will allow you to make payments and then file your bankruptcy when you are fully paid up. Bankruptcy law offices like Zhou & Chini are all over the internet and typically will not talk about their fees to file bankruptcy until they see the totality of your case. While a simple chapter 7 may not involve reaffirmation of debt or motions to avoid a lien it may only cost you $1500.00 in Riverside County but as much as $2,500 in Orange County or Los Angeles County. When you hire a bankruptcy lawyer or even consider a free bankruptcy consultation you should ask your bankruptcy attorney if he or she will be doing the actual bankruptcy filing or a paralegal. It might be worth a little more money to make sure your case is handled in good order so you don’t get your case dismissed and lose out all together. While you can file a simple chapter 7 with a paralegal, you will in all probability get better results with a bankruptcy attorney that provides you a personalized service and properly explain the path to bankruptcy. If you’re a California resident and need to file bankruptcy chapter 7 or chapter 13 remember this article, and remember if it sounds too good to be true it more than likely is. To speak directly with a bankruptcy attorney or just to get more bankruptcy info go to www.BankruptcyAttorneyinCalifornia.com