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Questions Answered by Brad Jonathan Sadek

2 Answers | Asked in Bankruptcy for Pennsylvania on

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

Is there a flat rate lawyers charge and do they allow payments?

Brad Jonathan Sadek answered on Dec 6, 2018

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.

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1 Answer | Asked in Bankruptcy for Pennsylvania on

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

My husband is probably going to file for bankruptcy in PA. How do the credit cards that are in both of our names work? I know that they can still require payment, but can they stay monthly payments or do they require me to pay one lump sum? He also has a four wheeler that is almost paid off, if we... Read more »

Brad Jonathan Sadek answered on Nov 6, 2017

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... Read more »

1 Answer | Asked in Bankruptcy for Pennsylvania on

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

Brad Jonathan Sadek answered on Oct 23, 2017

For a Chapter 7 Bankruptcy in Pennsylvania legal fees generally range from $1,200 to $1,800 plus filing fees.

1 Answer | Asked in Bankruptcy for Pennsylvania on

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

Is their income going to be included in my declaration of household income?

Brad Jonathan Sadek answered on Oct 23, 2017

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... Read more »

2 Answers | Asked in Bankruptcy for Pennsylvania on

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

The first payment of my chapter 13 bankruptcy is due 30 days after filing the petition. What happens if I cannot make that payment? Will my case be dismissed even before the meeting of creditors? Is there a way to be excused from that payment?

Brad Jonathan Sadek answered on Oct 23, 2017

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... Read more »

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