A bankruptcy lawyer in St. Paul helps individuals and businesses overwhelmed by debt find relief through the federal bankruptcy system. Whether you qualify for Chapter 7 (liquidation) or Chapter 13 (repayment plan), an experienced St. Paul bankruptcy attorney will guide you through the process — stopping creditor harassment, wage garnishments, and potential foreclosure with the automatic stay.
Bankruptcy lawyer fees vary by chapter. Chapter 7: $1,000–$3,500 (flat fee). Chapter 13: $2,500–$6,000 (often included in repayment plan). Court filing fees: $338 (Ch. 7) or $313 (Ch. 13). Many offer free consultations and payment plans.
Typical fee structure: Flat fee: $1,000 – $6,000 (varies by chapter)
Average settlement/outcome: N/A (debt relief)
Chapter 7: $1,000–$3,500. Chapter 13: $2,500–$6,000 (often rolled into repayment plan). Court filing fees are additional. Free consultations are standard.
No. Exemption laws protect essential assets — your home, car, retirement accounts, and personal property up to certain limits. Most Chapter 7 filers keep all their property.
Chapter 7 eliminates most unsecured debt in 3–4 months. Chapter 13 sets up a 3–5 year repayment plan. Income level determines which you qualify for.
Chapter 7: 10 years. Chapter 13: 7 years. However, many people begin rebuilding credit immediately and see significant improvement within 1–2 years.
Yes — filing triggers an automatic stay that temporarily halts foreclosure. Chapter 13 can help you catch up on missed mortgage payments over 3–5 years.
You must pass the means test, which compares your income to your state's median. If your income is below the median, you typically qualify for Chapter 7.