Zero Down Bankruptcy

$O Down Bankruptcy

Zero down bankruptcy sounds too good to be true, what’s the catch?

There is no catch! With recent developments in the law, Throop Law is now able to offer a program for zero down attorneys’ fees on both Chapter 13 AND Chapter 7 cases. While there are certain requirements for this program, most debtors WILL qualify!

My credit is bad, can I still do a $0 down bankruptcy?

YES! We know that if you are contemplating bankruptcy, then you don’t have the best credit, so we DO NOT base our zero-down program on your credit score. Instead, we assess your overall financial situation and circumstances to make our decision. We put our faith in you to pay us later so that we can help you TODAY, which is when you most need it.

With our true zero-down program, we also include the costs for the court required filing fees and credit report in your payment plan listed below!

How does the payment plan work?

For both joint and/or individual filers, our Chapter 7 standard payment plan is simple: $59 per week for one year and begin about 2-4 weeks from the time of filing. Payments are auto drafted from a debit card, which we align to coincide with your pay periods. For example:

  • $59 per week, if paid weekly;
  • $118 every two weeks, if paid bi-weekly;
  • $128 twice monthly, if paid semi-monthly;
  • $256 per month, if paid monthly.

In Chapter 13 cases, the attorney’s fees are paid via your court approved Chapter 13 plan. This amount is generally determined by court guidelines, the complexity of your case, and the length of your Chapter 13 plan.

What if I want to pay everything up front?

No problem! We also offer a highly discounted fee for debtors who can pay everything up front. While individual cases will vary, most Chapter 7 cases will fall into a range of $1450-$1850 (including credit report and filing fee), depending on the specifics and complexity of each case. So, if you are able to pay your fees before we file, there is a substantial discount.

Think zero down attorneys don’t do quality work? Think again: Throop Law has over 100 five-star reviews on Google!

What Our Clients Have to Say

  • Attorney Throop is the best!

    “A few years ago, I was laid off. The only bills I could manage to pay were vital household bills (phone, utilities, food, etc.) and, not only did all other bills have to go unpaid but, due to me not ...”

    - Tashandra J.
  • You have made this ride for me a smooth one.

    “Throop Law is the best!! They worked with me in so many ways. They work with your schedule, and they also worked with me in deciding which Chapter I should file. They are very fast past, when it says ...”

    - Catina C.
  • The lawyers and staff of Troop Law are awesome!

    “The lawyers and staff of Troop Law are awesome! They made a very difficult decision and process as stress free as possible. Matt Throop is amazing. He is direct, but easy to talk to. He gave me ...”

    - Jazelle M.
  • I would recommend them to anyone

    “Throop law was very helpful and they handled my bankruptcy case very professionally and told me exactly what I need to get through my case! The process was easy because of their help I would recommend ...”

    - Kelly C.
  • The only one to give me lights of hope.

    “It was a great experience to work with Throop law. I had a reckless driving which many lawyers couldn’t attempt to fight for the case. Throop law were [the] only one to give me lights of hop . I had ...”

    - Angel K.