"How Much Does It Cost To Get A Car Out Of Repo" Discussion

Upsolve Community Member
It’s free… only the filing fee with the court which is $338

Upsolve Community Member
Thank you.

Upsolve Community Member
Is it  an easy process?

Upsolve Community Member
Free!

Upsolve Community Member
Valerie, we try to make it as easy as possible! Let us know if you run into any snags along the way, and we'll all be here to help! 

Upsolve Community Member
I am eligible for the filing fee to be waived, when do I submit the waiver application?  before I file for chapter 7 or send it with my file papers?

Upsolve Community Member
It's submitted at the same time as the rest of the paperwork.

Upsolve Community Member
Can anyone inform me of the process?  Such as:  when I file, do they do an investigation on how I get social security checks and if I own a house, car, property?  Thank you for answering.

Upsolve Community Member
There should be a way to speak to someone in the clerk's office. Did you call yesterday, by chance? Since it was a federal holiday, the court was closed then. 

Upsolve Community Member
Charity, I'd keep trying to call the court clerk, but you can also keep checking PACER to see if your petition has been filed. Upsolve has a helpful https://upsolve.org/learn/pacer-guide/I think you'll find useful. 

Upsolve Community Member
I called Tuesday which wasn't a Federal Holiday. The phone option for not having a case # routes and then says something to the effect of that there is nothing setup to answer. I did see the PACER option and guess I have to pay to see if I have something on file. I realized that it takes a week for them to even process fee waivers so I will just keep monitoring over the next 2 weeks. Thanks for the notes. :)

Upsolve Community Member
Charity, I just want to point out that although Pacer does charge ten cents per page, the https://pacer.uscourts.gov/help/faqs/how-much-does-it-cost-access-documents-using-pacer# if you accrue less than $30.00 for a quarter. If there's any chance you get email notices from the court (not all courts provide the option), you likely won't be charged when you click on the Pacer link to the new document that's provided in the court notice. 

Upsolve Community Member
Hi Danielle, Happy you found Upsolve.  First you will need to determine https://upsolve.org/learn/should-i-file-for-chapter-7-bankruptcy/ you. Here's a 10-Step Guide on how to prepare for bankruptcy and get a fresh start: https://upsolve.org/learn/how-to-file-bankruptcy/ Please continue to ask any questions. We are here to help.

Upsolve Community Member
Glad you're here!! There's not a minimum amount of debt to qualify for Chapter 7 bankruptcy, but many people find that if they have a smaller amount of debt, bankruptcy isn't their best option

Upsolve Community Member
Our upsolve.org/learn may be a good resource to assist you along the way 

Upsolve Community Member
Hi Kathleen! That's a bit of a sliding scale as attorney fees generally depend on a variety of factors unique to the case. Here's an overview of https://upsolve.org/learn/how-much-does-bankruptcy-cost/ that breaks it down. 

Upsolve Community Member
Hi Kathleen, The Upsolve software is free to use. Here's a 10-Step Guide on how to prepare for bankruptcy and get a fresh start: https://upsolve.org/learn/how-to-file-bankruptcy/ Please continue to ask any questions. We are here to help.

Upsolve Community Member
Hi Cynthia, Check out this article to see if you can get a fee waiver: https://upsolve.org/learn/how-to-get-fee-waiver/

Upsolve Community Member
This too will give you some guidance: https://upsolve.org/learn/how-much-does-bankruptcy-cost/

Upsolve Community Member
Let us know if you have any other questions about this! 

Upsolve Community Member
My fee in AZ was $338 and I am paying in four installments. 

Upsolve Community Member
Julie, thanks for the "installments" idea! The $338 is the Federal fee and applies to all states. If you don't qualify for the waiver, ask the court about installments! :-)