Cost to File Bankruptcy in Idaho (2024)

Bankruptcy can feel like an overwhelming journey, but understanding the cost to file and the estimated bankruptcy attorney fees in Idaho is the first step.
Information in this article does not constitute legal advice, it is for informational purposes only, and may not constitute the most up-to-date information. Readers should contact their attorney for advice on any particular legal matter.

The cost of filing for bankruptcy in Idaho can be a bit tricky to pin down. In 2024, it'll set you back $338 for a Chapter 7 bankruptcy and $313 for a Chapter 13 bankruptcy. For starters, if you decide to hire a bankruptcy attorney, that'll add to the bill. And if you're hoping to get those filing fees waived, well, that's a whole other story.

We did some digging and managed to get a ballpark figure for attorney fees in Idaho. We shelled out about $1,000 on PACER, a public records database that provides information on bankruptcy attorney fees. As of 2024, we found that the Chapter 7 attorney fee range falls somewhere between $1,170 and $1,500. Mind you, that's just an estimate. If you want a more precise figure based on your location in Idaho, we've got you covered. Check out our free Idaho bankruptcy cost calculator below.

If you're anything like me, you're probably scratching your head and wondering how on earth you can afford to file for bankruptcy in Idaho when you can barely keep up with your bills. And let's not forget about the interest rates and inflation, which are still causing a ruckus in 2024. The good news is that some bankruptcy costs, like the filing fee and credit counseling courses, tend to be pretty similar across the board. But brace yourself, because attorney fees can vary wildly depending on whether you're in Boise or Meridian.

So, here's the lowdown: this article is here to give you an idea of the all-in costs of bankruptcy, including:

  1. Bankruptcy Attorney Fees
  2. Bankruptcy Filing Costs

Estimate the All-In Bankruptcy Cost in Your Zip Code

We've been getting tons of questions about the cost of bankruptcy in Idaho, so we decided to do something about it. We've created a database of attorney fees just for you! All you need to do is enter your zip code below, and you'll get an estimate of how much bankruptcy might cost you in your Idaho city. 

1. Actual Lawyer Costs By District In Idaho

A range of bankruptcy lawyers' fees has already been shown to you, but there are a few more variables that will affect the final sum. The bankruptcy lawyer's location, the intricacy of the case, the attorney-client dynamic, and the level of expertise of the expert are some of the variables that impact the total cost. However, considering the significance of the location, let us look at the real expenses as reported in the Pacer filing data.

Idaho District

Covering a substantial area, the District of Idaho includes major cities like Boise, Idaho Falls, and Meridian. Operating within the Mountain Time zone, this district spans 44 counties. It features a central courthouse in Boise and additional court facilities throughout the district, overseen by 3 active district judges and 2 magistrate judges. The diverse economic activities and dynamic communities in Idaho's District contribute to the overall richness of the region.

For residents in proximity to these major areas within Idaho's District, the expected bankruptcy filing cost can vary, often falling within a range from $1,200.00 to $1,975.00. It's crucial to bear in mind that this is an estimate, and actual expenses may fluctuate based on factors such as your financial situation and the choice of legal representation.

2. Chapter 13 Bankruptcy Attorney Fees Idaho

Chapter 13 bankruptcy attorneys in Idaho might hit you with a bill of around $4,500. The actual fee can vary depending on the district. While Chapter 7 attorney fees can be all over the place, Chapter 13 fees tend to be more consistent. They're often based on something called "no-look fees," which is just a fancy way of saying it's a fair price for the job. However, it's worth checking if the attorney charges an hourly rate for any extra work that comes up after you file for Chapter 13.

3. Bankruptcy Filing Costs

Did you know that bankruptcy filing costs are pretty much the same all over the United States? Yep, it's not just Idaho! However, there are a few other costs you should keep in mind too. Let's dive in and check them out.

Bankruptcy Filing Fees

The US Courthouse has a fee schedule and bankruptcy forms that lays it all out for you.

Now, if you're going for Chapter 7 bankruptcy, the filing fee is $338. That's broken down into a $245 filing fee, a $78 administrative fee, and a $15 trustee surcharge.

If Chapter 13 bankruptcy seems more like the way to go, the filing fee is a bit lower at $313. That includes a $235 filing fee and a $78 administrative fee.

Idaho Filing Fee Waiver Guidelines

If you're thinking about filing for Chapter 7 bankruptcy, you might be able to get the filing fees waived. However, you gotta be below 150% of the Idaho poverty guidelines. Be sure to check out Chapter 7 Bankruptcy Idaho Income Limit.

Mandatory Course Costs

When you're in a tough financial spot and decide to file for bankruptcy, there are a couple of courses you'll need to take in Idaho. These courses are designed to help you navigate the process and get back on your feet. The good news is that you can usually take them online, which makes it more convenient for you. Now, let's talk about the cost. On average, you can expect to pay anywhere from $10 to $50 per course. It's important to note that the courses need to be approved, so you'll want to make sure you're taking the right ones. To help you out, I've got a couple of links for you. The first one is a list of approved Idaho credit counseling courses. The second link is for list of approved Idaho debtor education courses. These lists should also provide you with the cost of each course. So, you'll have all the information you need to get started on your bankruptcy journey.

Miscellaneous Costs

If you've got a meeting of creditors coming up at the courthouse, it's important to know that you might have to shell out some cash for transportation to get there. On top of that, you might also have to cover the cost of a credit report for your attorney. Your attorney might be able to lend a hand with getting that credit report sorted. Let's talk numbers. You're probably wondering how much this whole transportation thing is gonna set you back.

We’ve made it easier for you to figure that out by hovering over to your district using this interactive map below showing the bankruptcy courthouse in Idaho.

Will Inflation Affect the Cost To File Bankruptcy in Idaho?

First things first, let's talk about the filing fees for bankruptcy cases. As of December 1st, 2020, the Chapter 7 bankruptcy filing fee got a little bump from $335 to $338. Similarly, the Chapter 13 bankruptcy filing fee increased from $310 to $313. Now, with such a small change, I wouldn't anticipate this increase to hurt you. But what about attorney fees? Well, here's where things get a bit more interesting. With inflation on the rise, bankruptcy attorneys might find themselves facing higher costs of living in cities like Meridian or Nampa, or anywhere else across Idaho. And when attorneys have to pay more to their employees, it's possible that those costs could trickle down to you, the client, in the form of higher attorney fees. So, while the filing fee increase may not be a big concern, there's a chance you might see some inflation-related effects on attorney fee costs. It's a situation where attorneys may need to adapt to the changing economic landscape and adjust their fees accordingly. Overall, it's important to keep an eye on how inflation plays out in the coming years and how it might impact attorney fees. But for now, the slight increase in filing fees shouldn't be a cause for major worry.

Would My Bankruptcy Cost Be Higher Boise Than Nampa?

You might be sitting in a cozy suburb in Idaho, contemplating whether to hire a local attorney or venture into the big city of Meridian to save some dough on bankruptcy costs. 

Boise, the hub of Idaho, boasts a population of 228,790 people. With all those folks around, you might assume that the cost of hiring a bankruptcy attorney there would be sky-high compared to a smaller town like Nampa.

While the price tag might be higher in Boise, the competition among bankruptcy attorneys is fierce.

Most bankruptcy attorneys offer free consultations. You can get multiple perspectives without spending a dime. Our bankruptcy cost calculator below takes all these variables into account to give you an estimate of the all-in cost.

Why Do Some Attorneys Charge Higher Chapter 7 Bankruptcy Fees? 

When it comes to Chapter 13 bankruptcy attorneys in Nampa, they often charge the same amount. Why? Well, it's because of something called the "no-look fee." It's a regular fee for the services provided, so they keep things consistent. But hold on a second, because when it comes to Chapter 7 bankruptcy attorneys, the fee can vary big time. So, it's important to know what you're getting for that extra cost.

Now, let's break it down. The cost of a bankruptcy lawyer is usually based on a few things:

  1. The type of chapter you're filing (like Chapter 7 or Chapter 13)
  2. The complexity of your case (whether you have assets or not)
  3. Your location (whether you're in Boise or Meridian)
  4. The level of connection you have with the attorney
  5. The attorney's expertise (how many years they've been in the game)

For instance, imagine you're making $10,000 more than the median income for Idaho, and you still want to file for Chapter 7 bankruptcy. Well, in that case, the attorney might need to spend extra time going through your expenses to see if you qualify for Chapter 7, even though you're above the median. And guess what? Additional attorney time usually means a higher overall bankruptcy cost.

If you want to dive deeper into the world of bankruptcy lawyer fees, I recommend checking out this article: Understanding Bankruptcy Lawyer Fees. It'll give you a more detailed look at what to expect and help you make an informed decision.


I hope this information has helped give you an idea of the costs involved in filing bankruptcy with a bankruptcy lawyer in Idaho. If you still have any questions or want to get a more accurate estimate, you can try out the free Idaho bankruptcy cost calculator below. It's a helpful tool that can give you a better understanding of what you might expect.

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