Questions Answered by Brad Jonathan Sadek

Q: I am planning to file Chapter 7 bankruptcy. My case is simple because I don't have a anything of value.

2 Answers | Asked in Bankruptcy for Pennsylvania on
Answered on Dec 6, 2018
Brad Jonathan Sadek's answer
Yes, in a Chapter 7 bankruptcy, otherwise known as a "fresh start bankruptcy" our firm charges a flat rate fee. The flat rate is dependent on your specific situation. Our office offers a payment plan for legal fees prior to filing for all clients.

Q: Question about husband filing for bankruptcy separate from me.

1 Answer | Asked in Bankruptcy for Pennsylvania on
Answered on Nov 6, 2017
Brad Jonathan Sadek's answer
The credit card payments can be made on a monthly basis in accordance with the non-filing spouse's contractual responsibility. The four wheeler most likely is exempt, however, depending on the cost per month, it could be viewed as a luxury expense to the detriment of unsecured creditors. If the payment on the four wheeler is relatively low and other recreational expenses are at a minimum, that would be best for keeping the vehicle. Hope this helps!

Q: How much in general does a chapter 7 bankruptcy cost?

1 Answer | Asked in Bankruptcy for Pennsylvania on
Answered on Oct 23, 2017
Brad Jonathan Sadek's answer
For a Chapter 7 Bankruptcy in Pennsylvania legal fees generally range from $1,200 to $1,800 plus filing fees.

Q: I live with a married couple. I rent out their basement as my apartment. I am thinking of declaring bankruptcy.

1 Answer | Asked in Bankruptcy for Pennsylvania on
Answered on Oct 23, 2017
Brad Jonathan Sadek's answer
No, their income is separate. Although you do share a dwelling, you do not share in a financial household with your landlord(s). Your rent is an expenses that you should list on Schedule "J" of your Petition and also include the Lease on Schedule "G." Lastly, any security Deposit being held by the Landlord shall be listed as an asset on Schedule "B." I hope this helps you.

Q: The first payment of my chapter 13 bankruptcy is due 30 days after filing the petition.

2 Answers | Asked in Bankruptcy for Pennsylvania on
Answered on Oct 23, 2017
Brad Jonathan Sadek's answer
A Motion to Dismiss is generally filed by the Chapter 13 Trustee when the Petitioner is 60 days behind on Chapter 13 Payments. Accordingly, you may file an Amended Plan to include the missed payment over the remainder of the Plan or you may make a double payment the following month is affordable to do so.

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