Affordable bankruptcy · Torrance
Affordable Bankruptcy in Torrance With Payment Plans and Fee Options
Torrance is home to Torrance Memorial and Providence Little Company of Mary. When a hospital stay leads to big bills, the next question is how to pay for a fresh start. We offer payment plans, and the court allows installments or a fee waiver for some filers. Call (310) 362-9071 to talk through your budget for free.
- Payment plans for the attorney fee
- Court fee installments allowed
- Chapter 7 fee waiver for low incomes
- Chapter 13 fee quoted in writing
How Torrance filers pay for bankruptcy
Most people combine two or three of these:
- Spread out the attorney fee. Our Chapter 7 fee is paid before filing, and we work out a payment schedule with you in writing.
- Split the court fee. The $338 filing fee can be paid in as many as four parts, all within 120 days of filing.
- Ask for a waiver. If your household income is low enough, the court may drop the Chapter 7 filing fee entirely.
- Redirect old payments. Money that used to go to credit card minimums often covers the case. Talk to us before you change any payment.
Could your Torrance household get the filing fee waived?
About 7.8% of Torrance residents live below the federal poverty line. If your household income is under 150% of the poverty guideline and you cannot pay in installments, the court may waive the Chapter 7 filing fee.
| Household size | Yearly income |
|---|---|
| 1 person | Under $23,940 |
| 2 people | Under $32,460 |
| 3 people | Under $40,980 |
| 4 people | Under $49,500 |
The court's own form decides the final answer. See filing fees, waivers and installments for how it works.
Making bankruptcy fit a Torrance budget
The court lets Torrance filers pay the $338 Chapter 7 fee in up to four installments within 120 days. If household income is under 150% of the poverty guideline, such as $40,980 for three people in 2026, and you cannot pay in installments, you may ask to have the fee waived; about 7.8% of Torrance residents live below the poverty line itself. Our flat Chapter 7 attorney fee can be paid on a payment plan, and Chapter 13 fees are mostly paid through the plan. Once you decide to file, money going to medical and card bills can go to the fee instead. Students and staff at El Camino College can meet us by video between classes.
Affordable Chapter 13 for Torrance families
About 55.0% of Torrance homes are lived in by their owners. Owners behind on a mortgage often need Chapter 13, and its fee works differently. Chapter 13 fees work differently from Chapter 7. Much of the attorney fee can be folded into the monthly plan payment, and the court caps the standard consumer fee at $7,000. The Chapter 13 filing fee is $313. We quote your fee in writing. See what Chapter 13 costs.
More for Torrance filers
- Bankruptcy attorney for Torrance
- Chapter 7 attorney for Torrance
- Chapter 13 attorney for Torrance
- Cheap bankruptcy in Torrance
- Affordable bankruptcy in Torrance
- Cheap Chapter 7 bankruptcy in Torrance
- Affordable Chapter 7 bankruptcy in Torrance
See every fee in one place on our bankruptcy cost page.
Affordable bankruptcy questions from Torrance
Can Torrance residents get the bankruptcy filing fee waived?
Torrance residents can get the Chapter 7 filing fee waived if household income is below 150% of the poverty guideline and they cannot pay in installments. For a household of two in 2026, that line is $32,460. Others can pay the fee in up to four installments.
Can I make payments for bankruptcy in Torrance?
Yes, you can make payments for bankruptcy in Torrance. We offer payment plans for our fee, and the court lets you pay the filing fee in up to four installments within 120 days.
Who qualifies for a bankruptcy fee waiver?
A bankruptcy fee waiver is for Chapter 7 filers whose household income is under 150% of the federal poverty guideline and who cannot pay the $338 fee in installments. The judge decides.
Free consultation
Find an affordable plan for your Torrance case
Call (310) 362-9071 or send the form. We will build a payment plan around your budget.
Law Offices of John Asuncion9454 Wilshire Blvd., Penthouse Floor
Beverly Hills, CA 90212
(310) 362-9071
Monday to Friday, 9 a.m. to 6 p.m.