Chapter 13 - Attorney Fee Retainer $0 down - You pay me later! (Balance of attorney fees must be approved by the court & can be paid as part of your monthly payment.) Stop harassing phone calls - Reorganize your debt - Keep some, maybe all property - make one monthly payment. Analysis of the debtor's financial situation - Preparation & filing of any petition schedules, statements & plan which may be required - Representation of debtors at the meeting of creditors & confirmation hearing (if required).