The filing fee for Chapter 7 is $338.00. The filing fee for a Chapter 13 is $313.00. This filing fee is paid to the court when the papers are filed with the court. The attorney fee will vary depending on the type of case and circumstances of your case.

Once we receive the necessary information and fee from you, the petition can be prepared and filed within 24 hours if necessary.

In most cases, the new laws will not prevent you from filing a bankruptcy. Please call to determine if you qualify.

Will filing Chapter 7 or
Chapter 13 hurt my credit?


How much will it cost?
How soon can I file?

Will the new laws prevent me from filing?

Usually, filing a Chapter 13 or Chapter 7 will not severely damage your credit. If you have unpaid and delinquent accounts on your report, your credit is already damaged for the next seven years. Oftentimes, creditors are more likely to grant you credit if they see that you have taken care of the unpaid and delinquent debts.

This will assure them that all of those other creditors are not competing for your income, which will be available to pay them. Also a Chapter 13 is a repayment plan, which will pay back some portion of the debts. Therefore, such repayment shows that you have made your best efforts to repay the debts. Finally, most credit can be re-established within 1-4 years.

Many of our clients are able to obtain home loans within two or three years after a bankruptcy, auto loans within a few months after a bankruptcy and credit cards within a year or two after a bankruptcy.

Will I have to go to Court?

Brian A. Kretsch, Esq.                                                                          

810 Jamacha Road, Suite 202                                                                                

El Cajon, CA 92019

In most bankruptcy cases, you do not have to go to Court. However, you do have to attend a mandatory hearing approximately 30 days after your papers are filed. The hearing does not take place in the Court and there is no Judge present. A Trustee, who is appointed to administer the case will preside at the hearing. The Trustee will ask you several questions to confirm the information filed in your papers. The hearing itself is fairly brief (usually less than ten minutes). Brian A. Kretsch, Esq. will attend the hearing with you. If you do not attend the hearing, your case will likely be dismissed







Call the Law Office of Brian A. Kretsch to set an appointment for Debt Relief now.

(619) 696-6629

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