Chapter 13 is the Federal Government's version of debt consolidation. It's filed in Bankruptcy Court and it works by shrinking all your bills into one payment (not just credit cards). Many that need debt relief under Chapter 13 and have discussed their case with an attorney, realize that although federal debt consolidation is widely available, the "up-front" cash needed for attorney fees to prepare and file the plan in Court may not be.
Attorneys can charge an average of $4500 to file a Chpater 13 debt consolidation plan, which raises the question: Do attorneys make Chapter 13 Debt Consolidation out of reach? An inexpensive but yet effective alternative to hiring an attorney, is using a non-attorney bankruptcy preparation service, www.DocsToWork.com.
What an attorney will not confess is that Bankruptcy Court does not require an attorney to approve your new monthly payment plan. Bankruptcy Court will accept your petition made on your own behalf, so long as it is compliant.
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