When filing chapter 7 bankruptcy, usually the debtor has got two options, one is to avail the full package service of the bankruptcy services company and the other is to avail the budgeted limited service package of the bankruptcy services company. The difference between the two is that in the budgeted package, the services of the bankruptcy services provider are retained just for evaluation, preparation and filing of the bankruptcy petition. In the budgeted package the bankruptcy attorney is not going to stay beside you at the final 341 meeting. In the full package service the bankruptcy attorney stays beside the debtor till the final decision of the bankruptcy court.  

There are different kinds of bankruptcy attorneys in the market, some are with while some are without any experience, some are with while are some are without any reputation. Before availing the services of any attorney one should do some market research, compare and rely on the word of mouth recommendation. Quality comes at a price. It is obvious that an attorney with tons of experience and high efficiency is going to charge comparatively higher than the rest. There are some attorneys who hardly have any clients and may offer their bankruptcy services at throw away prices. This does not mean that if the price is low the service is going to assure approval of bankruptcy petition. It is also possible that the attorney may try to take you for a ride and charge exorbitant. Thus it is better to strike a balance between the quality of the service offered by the attorney and what you can afford.     

The three steps to help finding an affordable attorney to file individual bankruptcy are as follows:

• The first step is about filling the online application form or answering the questionnaire with the relevant information. All the information and data that you furnish when filling the form must be genuine and authentic.

• The second step pertains to the evaluation. The means test needs to be cleared for meeting the eligibility criteria of chapter 7 bankruptcy. For Chapter 13 bankruptcy one needs to refer to the chapter 13 bankruptcy faq. Availing a complete pre-bankruptcy counseling session is mandatory prior to applying for bankruptcy approval.

• The third and the final step is related to attending the 341 meeting of the creditor and justifying your stand of not being able to pay the outstanding dues.

Budgeted limited service package includes the first two steps while all the steps are included in the full service package.