1. Fees: $60.00 is usually enough to get a bankruptcy filed. It is frequently possible within a 10 minute phone call to determine whether or not you are a likely candidate for bankruptcy. Chapter 13 Fees are almost always set by the court: In other words, we all charge the same in most cases.
2. 72 Hours is usually required, but it may be possible to put you in bankruptcy in as little as 24 hours. (4 hours is even possible if a foreclosure is pending.)
3. Alternatives: If you believe bankruptcy may be necessary, the call is free, the information will be kept confidential. I will not put you in bankruptcy unless you fully understand your options and the bankruptcy is in your best interest. There are other ways to solve financial problems and if I know of a better solution, I will advise you accordingly.
4. Co-debtors and co-signers: can usually be fully protected in a Chapter 13 Bankruptcy.
5. Lower Payments: In a Chapter 13 Bankruptcy, you may only be required to pay the value of the collateral, plus drop the interest rate, plus stretch the monthly payments over 5 years, (e.g. payments on a car purchased 2 ½ years ago car worth $7,000 but with a balance of $10,000 could be as low as $140/month). (The same applies to furniture, jewelry, rims, tires, storage bldgs, etc.)
6. Interest Rates: If you are paying  high interest rates on your car, furniture or other secured property, is almost always drops below 10%.
7. Tax Debts: Interest or penalties on most tax debts can be eliminated and older tax debts can frequently be wiped out entirely.
8. Repossessions: If you act quickly, there is a good chance you may have your repossessed vehicle returned to you. If you cannot get it back, you will not have to pay for it.
9. Garnishments: It may be possible to stop your garnishment before your next paycheck and it is frequently possible to recover up to 30 days of garnishment money that has already been taken from you, if you act quickly.
10. Household Goods: If you have put your household goods as collateral for small loan companies, you can discharge the entire debt, and still retain your household goods.
11. Married Couples: Married couples can file a single bankruptcy at the same cost as an individual bankruptcy.
12. Student Loans: It is frequently possible to continue receiving student loan monies.
13. Social Security Overpayments: Are usually wiped out and you get your full Social Security check every month.
14. Prior Bankruptcies: Almost everyone can file a new bankruptcy — even if you have filed before.
15. Cell Phones: You can cancel the contract and keep your phone and your phone number.

There are different types of bankruptcies. Each type has its own peculiar advantages and disadvantages.

I will explain all your options by phone before you come in.