Bankruptcy Costs
Filing bankruptcy involves a court filing fee, typically an attorney fee, and a required pre-filing credit counseling course. Here's what each generally involves.
Court Filing Fees
As of the current fee schedule published by the U.S. Courts (effective December 1, 2023), the Chapter 7 filing fee is $338 and the Chapter 13 filing fee is $313. These fees are set federally and apply nationwide, but they are subject to change — always confirm the current amount at uscourts.gov before filing.
Attorney Fees
Attorney fees vary widely by case complexity, location, and whether you file Chapter 7 or Chapter 13 — Chapter 13 fees are often higher given the ongoing plan administration involved. Rather than cite a specific figure that may be inaccurate for your area, ask any attorney you consult for a written fee estimate during a free or low-cost initial consultation.
Required Pre-Filing Credit Counseling Course
Federal law requires a credit counseling course from an approved provider before filing, and a debtor education course before discharge. These typically cost several dollars to several tens of dollars per course, depending on the provider.
Fee Waivers for Low-Income Filers
Filers with income below a set threshold relative to the federal poverty line may qualify for a filing fee waiver or installment plan. Details and current thresholds are available through official court resources at uscourts.gov.
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This information is for general education only and is not legal advice. Bankruptcy law is complex and varies by jurisdiction and individual circumstances. Consult a licensed bankruptcy attorney before making any decisions about filing.