Full-Service Attorney Representation

• A full-service attorney will provide the debtor not only with legal advice but will also handle all aspects of the case, including filing required paperwork, appearing in bankruptcy court on behalf of the creditor and creating a Chapter 13 repayment plan.
  
  

Unbundled Services

• Unbundled services provide debtors with limited legal advice that does not amount to full-service representation. Attorneys providing unbundled services only offer legal advice for a particular aspect of a case.
  
  

Bankruptcy Consultants

• A bankruptcy consultant is an attorney who provides bankruptcy consultations to debtors in exchange for the payment of a one-time transaction fee or a fee based on the time spent speaking with a client.
  
  

Fees

• A full-service lawyer typically charges at least $2,500 as of August 2009. Lawyers providing unbundled services usually charge by the hour. And bankruptcy consultants charge transaction fees that can range from a flat rate of $39.99 or a per-minute charge of $3.
  
  

Finding a Bankruptcy Attorney

• Debtors can find bankruptcy lawyers through bankruptcy petition preparers, legal-aid offices, legal clinics at law schools, group legal plans, the bar association and on the Internet.