There is an initial payment that must be made which is the filing fee and other charges. If it is an emergency, they will accept the filing fee AND file the case for you....which begins the process and your creditors are made aware of this and collections must stop. The other monies owed can be placed into the bankruptcy. They work with you for your situation. Great people.
Yes he will set up payment arrangements. Your case wont begin until you pay them off completely.
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