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 In Response To Covid 19, Filing Personal Bankruptcy In Arkansas Has Gotten Easier

We Offer No Money Down Bankruptcy Filings


     There are two basic kinds of bankruptcy. Chapter 7, which is straight bankruptcy, allows you to discharge most unsecured debts. Chapter 13 allows you to reorganize debts into one affordable monthly payment. During the economic downturn due to Covid 19, we are offering no money down filings on both Chapter 7 and 13 bankruptcy. This is how it works.  With Chapter 7, the entire fee is set up on a payout plan. With Chapter 13, the attorney’s fee is set up to be paid out of the monthly payment you make to the Trustee. You pay no attorney's fee directly. The filing fee in Chapter 7 is $335 and the filing fee in Chapter 13 is $310. If you are unable to afford to pay the filing fee up front, we file a Motion with the Court to give you time to pay it out. This allows you to quickly get under Court ordered protection which will immediately stop all collection and obligation to pay many unsecured debts. This will free up some of your disposable income to make it more affordable to payout the fees and costs. For more information, see our section on Fees & Costs.

      We recommend you schedule a free telephone consultation with one of our attorneys. This allows you to get the information you need to make an informed decision without having to pay any fees. You can schedule a consultation by giving us a call at 501-372-6979 or you can use the form below to set a one up. This form allows you to indicate the time and day of the week that is best for you, if you have a preference.

     Court Procedures and Laws Have Changed In Response to Covid 19


     In response to the COVID 19 virus, the Courts and federal laws have temporarily made it much easier to file personal bankruptcy.  The Courts have made procedural changes. For the first time in history,  you no longer have to appear in person for your bankruptcy hearing called a 341(a) meeting. These hearings are now conducted by phone.  Many people value their privacy and do not like being required to appear and discuss their finances in front of a crowd of people. Phone call meetings allow you a more private setting. Second, the Court has made it easier to file personal bankruptcy without having to do in-office appointments with an attorney.  The Court has waived the original signature requirement so you can promptly file bankruptcy without having to make the two or more trips to an attorney’s office required in the past. You can now file personal bankruptcy from the privacy of your own home.  Being able to do your meeting by phone and being able to file from your home saves you quite a bit of travel and missed time from work while giving you more privacy and the safety of not having physical exposure to strangers.
     In addition, federal laws have been changed. Covid 19 related stimulus payments received by families and individuals from the federal government, as a result of the CARES Act and other stimulus laws, will not be included in the definition of “income” for eligibility purposes. Federal law also changed to allow existing debtors struggling with hardship to have up to seven years to reorganize mortgage payments. 
     Unfortunately, during these troubling times, one thing that hasn’t stopped in Arkansas is debt collection. Creditor harassment, lawsuits, garnishments, repossessions, and foreclosures continue. Personal bankruptcy is designed to help people through financial crises just like the one we are all going through now. If you are considering personal bankruptcy, you may want to look at filing while these temporary measures are in effect.

Let us help you get a fresh new start.


Our Pledge To You

• We will consult with you without charge. There is no fee unless you decide to file.

We will make the process affordable for you. Our Fees and Costs »

We will do all the paperwork. No stacks of confusing forms.

Your case will be handled by an attorney, not a legal assistant.

We will be with you every step of the way to make sure you get a fresh start.


The Harris Law Firm has over 30 years experience in helping Arkansans file both Chapter 7 and Chapter 13. Give yourself a fresh new start — call us at 501-372-6985 or set an appointment online. We offer free consultations. There is never a fee unless you decide to file.

We represent clients in most of Arkansas including Pulaski County, Jefferson County, Faulkner County, Garland County, Lonoke County, Hot Springs County, Saline County, Little Rock, North Little Rock, Hot Springs, Malvern, Benton, Bryant, Cabot, Conway, Pine Bluff, Searcy, Sherwood, Jacksonville, Russellville and Lonoke. See Arkansas Counties We Practice In for a full list. We are a debt relief agency. We help Arkansans file for bankruptcy relief under the Bankruptcy Code. No information on this website or contact through this website should be interpreted as giving legal advise or creating an attorney-client relationship. Please read our Terms and Conditions page.

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