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Too Broke to File for Bankruptcy? Seriously?

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Too Broke to File for Bankruptcy? Seriously?

I, and a few other bankruptcy attorneys, read an article this morning that some people are just too broke to file for bankruptcy protection. That just sounds crazy, right? But you know what? This is seriously true! And it’s seriously sad as well.

As a bankruptcy attorney for over 12 years, I can assure you that we look at your budget and we can see that you are broke. It’s unfortunate when you are too broke to file for bankruptcy. We know what you are going through. Back when I started the court filing fee was $175. It is now $306. The average attorney fee was $500 and now it’s over $1500. The costs to file bankruptcy have certainly increased and that may be preventing people from getting the necessary fresh start that they deserve.

2005 law change caused more expensive attorney fees

The major bankruptcy law change that happened in 2005 is the cause of most of the increased costs. Congress passed an overhaul to the bankruptcy system that massively increased the amount of paperwork and time devoted to each case. And not just for attorneys. The US Trustee’s office was tasked with much more duties and your local trustees were also required to verify more information. This extra work required extra time. And in the practice of law, more time means more fees.

At Busby & Associates we recognize that you need to get out of debt. And we don’t think it’s a laughing matter when you are too broke to file for bankruptcy protection. We are trying to help get you out of debt. We recognize when you are on a tight budget. So we are going to do something about it.

Special chapter, affordable Chapter 7 bankruptcy fee of $1000

We are offering a Special $1000 fixed fee Chapter 7 Bankruptcy (plus costs). It must be a consumer case and your income must be under the median income (see below).


Our three bankruptcy attorneys have nearly 30 years of experience, we have handled thousands of cases and helped eliminate over $1 million dollars in debt. Please visit our website for more information about us and bankruptcy. You may also view our video with Bankruptcy Information.

Call us today at (713) 974-1151 to schedule a no-obligation consultation or feel free to email us at consumerlaw@busby-lee.com.



MEDIAN INCOME        (after May 1, 2012)

                                                                    FAMILY SIZE

STATE           1 EARNER                2 PEOPLE     3 PEOPLE     4 PEOPLE     5 PEOPLE **
Texas               $40,925                       $55,653           $59,650           $65,875          $73,375

Add $7500 for each person in excess of 5