How Much Does It Cost to File for Bankruptcy

Direct Costs of Filing for Bankruptcy

The cost to file for bankruptcy depends primarily on which chapter you file under and whether you hire an attorney. Filing fees to the court are fixed, but attorney fees vary widely by location, case complexity, and the type of bankruptcy you choose.

Chapter 7 Bankruptcy Costs

Chapter 7 is the most common and typically least expensive form of bankruptcy. The court filing fee is $338 as of 2024, though this can change. Attorney fees for Chapter 7 generally range from $1,000 to $2,500, depending on the state and the complexity of your case. Some attorneys offer payment plans or reduced fees for low-income filers.

Chapter 13 Bankruptcy Costs

Chapter 13 involves a repayment plan and tends to be more expensive. Court filing fees are $313, and attorney fees typically range from $3,000 to $4,500 or more. Because Chapter 13 cases last three to five years, attorneys may spread their fees across the repayment plan, but the upfront or total cost is higher than Chapter 7.

Additional Mandatory Fees

Beyond attorney and filing fees, there are other required costs:

• Credit counseling course: $10 to $50
• Debtor education course: $10 to $50
• Case administrative fees: sometimes included in the filing fee

These courses must be completed before your discharge is granted.

Can You File Without an Attorney

Filing pro se, or without an attorney, eliminates attorney fees but does not eliminate court fees or the cost of required courses. Pro se filings carry significant risks because bankruptcy law is complex, and mistakes can lead to dismissal or loss of assets. Free or low-cost legal aid may be available through local nonprofits or court self-help centers.

Factors That Affect Total Cost

Several variables influence the final price tag:

• Geographic location and local attorney market rates
• Complexity of your finances, including assets, debts, and exemptions
• Whether the court requires additional motions or hearings
• Chapter selected and length of the repayment plan

The total cost to file for bankruptcy typically falls between $1,000 and $4,500 when attorney fees are included, with simpler Chapter 7 cases at the lower end and more involved Chapter 13 cases at the higher end.