Is bankruptcy a viable option

Actually if the total cost is $850, that is dirt cheap! The court filing fees alone are in the $200 range. From what I read, most are paying $1500 and up!

I mean on 7 can some or part of fees be included? Does it all have to be up front?

That actually is VERY cheap for a BK. Why don't you retain an Attorney and begin the paper work and start making payments.

Usually with chapter 7, all costs have to be paid upfront. Reason behind this is technically the attorneys bill is unsecured and could be slipped into the BK.

The Attorney my BF has is allowing him to make payments, she isn't going to file until it is paid in full though.

My understanding is if you file Chapter 13 the lawyers fees are included in the plan paid to the court trustee. The upfront fee is for filing initially and they will get paid over time.

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Question for jack beck??

I have student loans as well as in other bills that are so damn high that i have to pay off, i am considering bankruptc! People say i shouldnt did you have high montlhy payments? How long did it last and how is your credit now?

Bankruptcy filing will not help you in getting rid of student loans. They don't get discharged through bankruptcy. So, it doesn't make any sense filing bankruptcy for student loans. However, your other unsecured debts can get discharged in your bankruptcy filing.