The phrase refers to the possibility of filing for Chapter 7 bankruptcy without any upfront payment of attorney fees. It suggests a scenario where legal representation is secured for a bankruptcy case without requiring the client to pay anything to the attorney before the case is filed. Some attorneys may offer payment plans or arrangements where fees are paid after the bankruptcy petition has been submitted.
This approach can be vital for individuals with limited immediate financial resources who require debt relief. Historically, access to bankruptcy protection has been hindered by the upfront costs associated with legal representation. Arrangements that eliminate or defer these costs may broaden access to this legal process for a wider segment of the population. This facilitates a fresh financial start for those who otherwise would be unable to afford it.
