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How Much Does It Cost to File Chapter 7 in Mississippi?

On Behalf of developers | March 12, 2024 | Bankruptcy,Chapter 7 Bankruptcy

Claiming bankruptcy in Mississippi can be a complex process, and Pond Law Firm is here for you every step of the way, guiding you through the process to keep it as simple and straightforward as possible. You’ve already got enough on your mind and navigating a complex bankruptcy doesn’t need to be added to your to-do list. Our experienced bankruptcy attorneys are here to help, protecting your rights and financial future along the way.

If you’ve found yourself facing the reality of bankruptcy, it’s important to consider the costs associated with filing. Filing Chapter 7 bankruptcy in Mississippi comes with a price tag and Pond Law Firm is here to share more about the price of the process so that you know exactly what to expect. 

What are the Costs of Filing Chapter 7?

The overall cost to file bankruptcy in Mississippi is currently around $338, although this varies depending on your county of residence. The cost associated with filing includes various court fees and filing fees, which are due when your bankruptcy petition is filed. With that said, there is a Chapter 7 bankruptcy fee waiver available if you fall below 150% of the poverty line based on your household size. If you do not fall under this line, or your application for a waiver is denied for some other reason, you may be given the option to pay the filing fees in installments.

Bankruptcy Court Filing Fees

The major component of the $338 is the court filing fee. This is a non-refundable payment that pays the administrative costs it takes to process your bankruptcy claim. As stated, this fee may be waived or divided into installment plans if you are filing for Chapter 7 bankruptcy in Mississippi with no money.

Financial & Credit Counseling Cost

Another element of filing for Chapter 7, one that incurs a cost, is a requirement that you complete a financial management course. This is a form of credit counseling that is offered by state-approved providers. The main objective of these courses is to help you learn more about financial planning, effective budgeting, and how to use a credit card responsibly. 

Besides the two above-mentioned required fees, there are various other expenses associated with the entire process of filing for bankruptcy. Budgeting for this additional spending prepares you more fully and helps you avoid unexpected surprises. For instance, you will likely have to gather, copy, mail, and have certain documents prepared, all of which come with a price tag. 

Bankruptcy Lawyer Fees Mississippi

Of course, the largest cost associated with bankruptcy could come in the form of a bankruptcy attorney if you choose to have representation. While hiring an attorney may seem like a daunting task, most bankruptcy lawyers will actually save you vast sums of money and time, as well as put you on the right track for future financial freedom. If not done correctly, bankruptcy can affect you for the rest of your life. When you have an experienced attorney on your side, you can be sure your best interests have been protected, you have saved every asset possible, and all the steps have been followed to the letter of the law for the benefit of your financial future.
At Pond Law Firm, once we become your trusted partner, we never stop working for you. After guiding you through the entire Mississippi bankruptcy process, we provide financial counseling for years to come, ensuring you get back on your feet financially. Contact us now and get a top rated Mississippi bankruptcy law firm working on your behalf today!

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