Santa Rosa Bankruptcy Attorney Adam Garcia
Need a low-cost bankruptcy attorney in Santa Rosa? Adam Garcia offers affordable, reliable legal help when you need it most. Contact him today for a free consultation.
Chapter 7 Bankruptcy Fees
Social Security
For individuals on Social Security who rent with moderate debt.
- The client only receives social security income, has less than $30,000 of debt, and rents their residence.
- Social Security Income
- Renting
- Low Debt
Renting
For single, employed individuals who are renting with moderate debt.
- The client is single, has one job, and rents their residence.
- Renting
- Single
- Wages
Real Estate
For homeowners, business owners, married filing jointly, and clients with high debt.
- The client owns real estate, is self-employed, or has over $80,000 of debt.
- House or Condo
- Self-employed
- High Debt
Social Security
Best for individuals on Social Security or those who rent with limited assets.
- The client only receives social security income, has less than $30,000 of debt, and rents their residence.
- Social Security Income
- Renting
- Low Debt
Renting
Ideal for single, employed individuals who are renting and need a full-service filing.
- The client is single, has one job, and rents their residence.
- Renting
- Single
- Wages
Real Estate
Designed for families, homeowners, or those with high debt or complex financial situations.
- The client owns real estate, is self-employed, or has over $60,000 of debt.
- House or Condo
- Self-employed
- High Debt
Social Security
Best for individuals on Social Security or those who rent with limited assets.
- The client only receives social security income, has less than $30,000 of debt, and rents their residence.
- Social Security Income
- Renting
- Low Debt
Renting
Ideal for single, employed individuals who are renting and need a full-service filing.
- The client is single, has one job, and rents their residence.
- Renting
- Single
- Wages
Real Estate
Designed for families, homeowners, or those with high debt or complex financial situations.
- The client owns real estate, is self-employed, or has over $60,000 of debt.
- House or Condo
- Self-employed
- High Debt
Affordable Santa Rosa Bankruptcy Attorney
My name is Adam Garcia and I’m one of the leading bankruptcy attorneys in Santa Rosa. I’ve helped hundreds of clients in Northern California eliminate debt through chapter 7 bankruptcy. To receive a free phone consultation call my office at (707) 200-6688.
Free Consultation: A free phone consultation with Adam Garcia can help you understand the pros and cons of bankruptcy.
Free Credit Report: Don’t know who or how much you owe? No problem. My office will purchase your credit report.
Attorney Involvement: You will deal directly with a bankruptcy attorney throughout your case.
How Much Does A Santa Rosa Bankruptcy Attorney Cost?
Many articles have been written about how much bankruptcy lawyers cost. (Sacramento residents can read sacramentobankruptcylawyer.us/how-much-cost to find out how much a local bankruptcy attorney should cost.) A Santa Rosa bankruptcy attorney generally charges $1,500 to $3,000 for chapter 7 bankruptcy and $4,000 for chapter 13 bankruptcy. However, chapter 7 fees are usually due in full before filing, whereas chapter 13 fees are often partially financed through the chapter 13 plan.
The Cost of A Bankruptcy Lawyer vs. The Cost of Bankruptcy
While bankruptcy lawyer fees often represent the lion’s share of the total cost of bankruptcy, they often do not include certain bankruptcy expenses. For instance, many chapter 7 bankruptcy attorney fees do not include the filing fee assessed by the Santa Rosa Bankruptcy court. If you look closely at your lawyer’s representation agreement you may notice that the filing fee is not included in the quote.
Other costs in bankruptcy that may or may not be included in Santa Rosa bankruptcy attorney’s fees are the cost of the debtor education and personal financial management course. The cost of enrolling and completing these courses may not be included in a bankruptcy lawyer’s quote, so be sure to inquire before signing a representation agreement.
Before you hire a bankruptcy lawyer for a chapter 7 or chapter 13 bankruptcy, be sure to determine the total cost of your case. Once you have identified and quantified the excluded costs and added them to the bankruptcy lawyer’s quote, you will have a reasonable idea as to the total cost of your bankruptcy.
Bankruptcy Attorney Adam Garcia Charges Flat Fees
Bankruptcy attorney Adam Garcia charges flat fees to help clients predict the total cost of filing bankruptcy. As is a common practice among bankruptcy attorneys, some services are excluded from the flat fee. These additional services are not typically required and are identified in the chapter 7 bankruptcy representation agreement. For instance, representation in adversarial proceedings is excluded from the flat fee and charged to clients at an hourly rate. By excluding these infrequent services from the flat fees we are able to maintain reasonable fees relative to the generous time we invest in each bankruptcy case.
To find out what your bankruptcy will cost call Adam Garcia at (707) 200-6688 for a free consultation.
Why You Should Avoid Cheap Santa Rosa Bankruptcy Attorneys
You’re thinking about filing for bankruptcy. The bills are piling up and you’re sick of collection agencies calling your house day and night. It’s time to put a stop to this financial nightmare and get some peace and quiet. You start searching for a bankruptcy lawyer. You want someone local who can efficiently handle your case and achieve great results while aggressively representing your interests before the Santa Rosa Bankruptcy Trustee assigned to your case. Since you’re filing for bankruptcy, you don’t want to spend a lot of money. That’s logical. You don’t have extra cash lying around to spend on an expensive lawyer. Also, you know that lawyers are notorious for sending out ridiculously large bills that far exceed the value of their services. You want to avoid these high priced bankruptcy attorneys, so you start your search for a cheap bankruptcy attorney…
Stop right there.
There are 2 questions you should ask yourself before searching for a cheap bankruptcy attorney.
First, how competent are these cheap bankruptcy attorneys? If these bankruptcy attorneys are so good, why are they charging so little?
Is it because they have low overhead and are passing the savings onto you? More likely than not they charge smaller fees because their services command smaller fees. If that’s the case, do you want them handling your bankruptcy? If you have a simple bankruptcy and few assets, maybe you do.
A cheap bankruptcy attorney can achieve the same result as a skilled bankruptcy attorney if you have a simple bankruptcy. Since cheap bankruptcy attorneys charge less than skilled bankruptcy attorneys, but may nevertheless deliver the same result in a simple bankruptcy, their services can actually deliver more value than expensive but skilled bankruptcy attorneys. However, the more complex the bankruptcy the more you risk hiring a cheap bankruptcy attorney.
The second question you should ask yourself is whether the cheap bankruptcy attorney is in fact cheap.
Some bankruptcy attorneys will quote a fee that sounds good but will have you sign a representation agreement that is loaded with hidden fees. What these “cheap” bankruptcy attorneys may quote is their actual fee as a lawyer, exclusive of filing fees ($335 in chapter 7), anticipated expenses, and separate (but commonly required) services that cost $250 per hour. Suddenly the cheap bankruptcy attorney can become anything but cheap. With that in mind, ask every bankruptcy attorney what their quoted fee excludes and what your total cost will be in the end.
All considered, it is not recommended that you search for a cheap bankruptcy attorney. Cheap bankruptcy attorneys may jeopardize your bankruptcy with poor communication, inexperience, divided practice areas, or inattention to detail. Bankruptcy is a powerful legal tool to discharge overwhelming debt and refresh your finances.
Consequently, bankruptcy is not something to be taken lightly and does not represent the time to save a few hundred dollars on a less than stellar attorney. You should be looking for a qualified bankruptcy attorney who charges a transparent fee. You should hire a bankruptcy attorney who has their act together and who adds value to your case by charging less than the estimated value of your discharge. The right bankruptcy attorney will take their time explaining the law to you during the free consultation, and will not pressure you to sign a representation agreement. Once you have found a Santa Rosa bankruptcy attorney like this, consider hiring them to represent you in your bankruptcy. You will probably fare better with this bankruptcy attorney than a supposedly “cheap” one.
A cheap bankruptcy attorney can achieve the same result as a skilled bankruptcy attorney if you have a simple bankruptcy. Since cheap bankruptcy attorneys charge less than skilled bankruptcy attorneys, but may nevertheless deliver the same result in a simple bankruptcy, their services can actually deliver more value than expensive but skilled bankruptcy attorneys. However, the more complex the bankruptcy the more you risk hiring a cheap bankruptcy attorney.
Sincerely,
Bankruptcy Attorney at Sacramento Law Group LLP
Our Results
Our clients see real results. Many have successfully eliminated debt and gained a fresh financial start, and their reviews reflect the confidence they found in working with us.
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Automatic Stay
Home & Vehicle
Talk to a California Bankruptcy Attorney
At Sacramento Law Group, we do more than just file bankruptcy paperwork. We take the time to guide and educate our clients through every step of the process. You’ll get honest answers to your questions, timely communication, and the reassurance of knowing exactly what’s happening with your case. We’re here to make a difficult time easier—not more confusing.
