Financial recovery clients are drowning in complexity—they need clarity on pricing, delivery, and what they're actually paying for. Structure your service packages wrong, and you'll either leave money on the table or scare away prospects who can't follow your offering. Here's how to build tiered packages that sell, retain clients, and position you as the authority in your market.
Know Your Service Delivery Model First
Before pricing anything, define whether you're offering consultation-only, done-with-you support, or done-for-you services. A consultation package might involve 3–5 hours of strategic planning for clients navigating Chapter 7 vs. Chapter 13 decisions; done-with-you means you're guiding them through 6–12 months of debt restructuring; done-for-you is creditor negotiation, documentation prep, and court filing management on your shoulders.
Your delivery model directly impacts your time commitment, liability, and pricing ceiling. Consultation-based recovery plans typically bill $150–$400/hour or $2,000–$5,000 per project. Done-with-you packages range $3,000–$15,000 depending on debt load and complexity. Done-for-you bankruptcy prep and filing support can command $4,000–$10,000+ because you're carrying execution risk.
Build Three Tiers: Foundation, Growth, and Comprehensive
Foundation Package targets clients overwhelmed but not yet in crisis. Price this at $1,500–$3,000. Include a detailed financial audit (3–4 hours), debt consolidation roadmap, basic credit repair action plan, and one follow-up consultation after 30 days. Market this to pre-bankruptcy explorers and people managing medical debt or job-loss fallout.
Growth Package is your sweet spot—price $5,000–$8,000. Add monthly coaching (4–6 sessions), creditor communication templates, full debt negotiation support, formal repayment plan structuring, and credit monitoring. Clients get you for 3–4 months actively managing their recovery. This converts fence-sitters because they see tangible momentum.
Comprehensive Package runs $10,000–$20,000+ and includes everything above plus bankruptcy filing prep (if you're licensed to assist), court representation guidance, asset protection strategy, and 12-month post-filing recovery coaching. Reserve this for clients with complex assets, business income, or court involvement. It's white-glove service with lifetime relationship potential.
Add Strategic À la Carte Options
Don't lock everything into packages. Clients want flexibility:
- Credit restoration add-on: $500–$1,500 (dispute letters, bureau negotiation, 90-day check-in)
- Creditor negotiation sprint: $1,200–$2,500 (you handle 2–4 weeks of settlement calls)
- Bankruptcy alternative analysis: $800–$1,500 (structured comparison of Chapter 7, 13, debt management plans)
- Post-discharge planning: $2,000–$4,000 (rebuilding strategy, secured card setup, 6-month accountability)
These upsells capture clients who fit between tiers and create natural revenue expansion without redesigning your entire offering.
Price for Your Market Position
Your location and credentials matter enormously. A bankruptcy attorney or CPA-backed recovery service in a major metro can command 20–30% premiums over a solo coach. If you're newly credentialed, undercut by 15% to build case studies and testimonials. After 50+ clients and visible success stories, raise prices 10–20% annually.
Survey 5–10 local competitors and note what they're charging for similar scope. You don't need to match; you need to know where you stand. If your expertise or track record is stronger, price above market. If you're building reputation, price at-market with superior service delivery to earn referrals faster.
Communicate Value, Not Just Hours
Don't sell "20 hours of consulting." Sell "debt reduction of $15,000–$40,000" or "credit score improvement from 520 to 650+ in 120 days" or "avoid bankruptcy filing costs of $1,500–$3,500." Clients care about outcomes. Your package descriptions should lead with results, then explain what's included.
Listing your service packages on a platform like Mercoly helps you get discovered by clients actively searching for recovery solutions, win leads faster, and showcase your tiered options in one professional place.
Frequently Asked Questions
Q: Should I charge differently for Chapter 7 vs. Chapter 13 clients? Yes—Chapter 13 clients need 3–5 years of monitoring and adjustment, justifying 20–30% higher pricing than Chapter 7 prep-and-close services. Build this into your Comprehensive tier or create a separate Chapter 13 package.
Q: What's a realistic conversion rate from Foundation to Comprehensive? Aim for 25–35% of Foundation clients upselling to Growth within 60 days if they see early wins (first creditor settlement, credit bump). Track which triggers the upgrade so you can emphasize those outcomes in your sales conversations.
Q: How often should I raise prices? Annually by 5–10% if demand is steady; quarterly if you're booked out. Grandfather existing clients into old pricing to reduce churn and reinforce loyalty.
Ready to package and sell? Define your delivery model this week and test your pricing with your next five inquiries.