Most of the bankruptcies I file don't require any up-front legal fees. The client only has to pay the Court fees, the credit bureaus for a credit report and for the on-line class. ($355 total for an individual, $375 for a couple) It isn't a scam. Don't get me wrong, I get paid and paid well, but it is through the bankruptcy process, not directly from my clients, and pursuant to a Bankruptcy Court Order. I'm a firm believer in you get what you pay for and you will pay our of