I am being charged a $1500 retainer. I had to sign something that said I would pay any cost over $1500. The paper work I signed says the rate is $150 per hour. I am worried about having to pay more than $1500. That amount given the lawyer's rate is 10 hours worth of his time. Do you think a simple bankruptcy (credit cards only) will take more than 10 hours? I live in Michigan.