Cost to File Bankruptcy in Indiana (2024)

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

So, you're considering filing for bankruptcy in Indiana, but you're wondering about the costs involved. Well, let me break it down for you. According to the U.S. Bankruptcy Court in Indiana. In 2024, the filing fee for a Chapter 7 bankruptcy is $338, while for a Chapter 13 bankruptcy, it's $313. However, things get a bit more complicated when you factor in hiring a bankruptcy attorney and the possibility of getting your filing fees waived.

Now, we did some digging and managed to get a pretty good estimate of attorney fees in Indiana. We spent around $1,000 on PACER, a public records database that contains bankruptcy attorney fees, and here's what we found: for a Chapter 7 bankruptcy, the attorney fee range can be anywhere between $1,000 and $1,400. Keep in mind that this is just an estimate, so if you want a more precise figure based on your location in Indiana, we've got a free bankruptcy cost calculator for you to use.

But the important question that’s on many minds is how can you afford bankruptcy when you're struggling to pay your bills, especially with interest rates and inflation still causing headaches in 2024? It's a valid concern. While some bankruptcy costs, like the filing fee and credit counseling courses, are pretty similar across the board, attorney fees can vary dramatically depending on where you are in Indiana. Whether you're in Indianapolis or Fort Wayne, you might find yourself facing different price tags.

Now, the purpose of this article is to give you a rough idea of the overall costs involved in filing for bankruptcy. We'll be focusing on two main areas: bankruptcy attorney fees and bankruptcy filing costs. So, let's dive in and get you the information you need!

Estimate the All-In Bankruptcy Cost in Your Zip Code

We've been getting a lot of questions about the cost of bankruptcy in Indiana. So, guess what? We've got you covered! We've built a nifty database of attorney fees just for this purpose. All you need to do is enter your zip code below, and we'll give you an estimate of how much bankruptcy might cost in your city in Indiana.

Just a heads up, we've embedded a tool below that will help you out. It's an interactive estimator that will give you all the details you need. So go ahead, give it a try, and let us know if you have any other questions. We're here to help!

1. Bankruptcy Attorney Fees Indiana

A Chapter 7 Bankruptcy is like a bargain compared to Chapter 13 bankruptcy. You can save some serious dough with Chapter 7, my friend. In Indiana, you're looking at shelling out around $1000 to $1400 for a Chapter 7 bankruptcy attorney. Now, keep in mind, this cost can go up or down depending on a few factors. We're talking about things like how complicated your case is, where you live, how well-connected your attorney is, and how much of a bankruptcy expert they are.

Let me break it down for you even further. Here are the price ranges you can expect in some of the major cities in Indiana.

1. Actual Lawyer Costs By District In Indiana

Even though we've shown a range of bankruptcy attorneys' fees above, the precise sum will change based on a few distinct factors. The ultimate cost is influenced by several factors, such as the location of the bankruptcy lawyer, the intricacy of the case, the attorney-client relationship, and the professional's expertise. But since geography is so crucial, let's look at the actual expenses derived from the data on Pacer filings and the Indiana bankruptcy district map.

See the map below to determine which district you reside in, then scroll down to see actual legal fees.

Map of Northern and Southern in Indiana

Indiana Northern District

Covering a substantial area, the Northern District of Indiana encompasses major cities like South Bend, Fort Wayne, and Gary. Operating within the eastern time zone, this district consists of 32 counties and features 4 courthouses with 5 judges presiding over them.

For residents residing near these major cities within Indiana's Northern District, the expected bankruptcy filing cost typically falls between $737.00 and $1,235.00. It's crucial to bear in mind that this is an estimate, and actual expenses may vary based on factors such as your financial situation and the choice of legal representation.

2. Chapter 13 Bankruptcy Attorney Fees Indiana

Chapter 13 bankruptcy attorneys in Indiana can charge around $3,500. However, the actual fee may vary depending on the district. Unlike Chapter 7 attorney fees, Chapter 13 fees are often similar due to something called "no-look fees." These fees are considered reasonable for the services provided. It's worth noting that some attorneys may charge an hourly rate for any additional work that comes up after filing for Chapter 13. So, it's a good idea to inquire about this possibility.

3. Bankruptcy Filing Costs

Bankruptcy filing costs are pretty much the same all over the United States, not just in Indiana. But wait, there's more! There are other costs you need to keep in mind too. Let's dive in and explore what they are.

Bankruptcy Filing Fees

The US Courthouse has a fee schedule and a bankruptcy form that you need to know about if you're thinking of filing for bankruptcy. Let's break it down for you.

If you're filing for Chapter 7 bankruptcy, you'll have to pay a total of $338. That includes a $245 filing fee, a $78 administrative fee, and a $15 trustee surcharge. It's important to keep in mind that these fees may vary depending on where you live.

On the other hand, if you're filing for Chapter 13 bankruptcy, the total filing fee is $313. This consists of a $235 filing fee and a $78 administrative fee.

Now, we understand that not everyone can afford these fees upfront. But don't worry, there are options available. You may be able to pay the filing fee in installments or even have it waived altogether. To learn more about these possibilities, check out the Indiana filing fee information and the details provided below.

Indiana Filing Fee Waiver Guidelines

If you're considering filing for Chapter 7 bankruptcy, there's a possibility that you can have your filing fees waived. How? Well, it all depends on whether your income falls below 150% of the Indiana poverty guidelines. 

Now, let's break it down. In 2022, if you're a single person and your annual income is less than $13,590, you could qualify. For couples, the threshold is $18,310. If you have a family of three, the magic number is $23,030, and so on. Take a look at the table below for more details:

Number of People | 150% Poverty Guideline


1                | $13,590

2                | $18,310

3                | $23,030

4                | $27,750

5                | $32,470

6                | $37,190

7                | $41,910

8                | $46,630

9                | $51,350

If you have more than nine people in your household, you can add an extra $4,720 for each additional individual.

So, if you find yourself in a financial pickle and your income is below these guidelines, you might just be able to catch a break with those filing fees. It's important to keep in mind that these guidelines are specific to Indiana, so if you're in a different state, make sure to check out your local poverty guidelines.

Hope this info helps you navigate the bankruptcy process a little easier. 

Mandatory Course Costs

When you have to file bankruptcy, there are a couple of courses you'll need to take in Indiana. Don't worry, though, you can usually do them online. First up is the credit counseling course, which helps you understand the financial situation you're in. Then comes the debtor education course, which gives you some tips and tricks to manage your money better in the future. 

Now, here's the lowdown on the cost. On average, these courses will set you back around $10 to $50 each. However, you can't just take any old course. They have to be approved, so make sure you check out the list of Indiana credit counseling courses and Indiana debtor education courses that have the official stamp of approval. 

Miscellaneous Costs

You know, going to a meeting of creditors at the courthouse can be a bit of a hassle. One thing you might have to consider is the cost of transportation. Yeah, you might have to shell out some cash to get there. And hey, while we're at it, there's another expense you might have to cover - a credit report for your attorney. Although, don't worry too much because they might be able to lend a hand in getting that report.

First off, transportation. Yeah, you might have to shell out some cash to get yourself to the courthouse. Whether it's gas money, bus fare, or even a taxi ride, it's something to consider. But hey, don't worry too much. There are ways to estimate the cost, so you won't be caught off guard.

Now, here's another thing. Your attorney might ask you to get a credit report. Yeah, it's an extra expense, but it's important. Your attorney can help you with that, though. They might have some connections or even be able to guide you through the process. So, don't stress too much about it.

Now, let's talk numbers. How much do you reckon it'll cost you to get to one of those bankruptcy courts? Well, we’ve made it easier for you to figure that out by hovering over to your district using this interactive map and looking up your nearest bankruptcy court.

Will Inflation Affect the Cost To File Bankruptcy in Indiana?

So, I've been hearing some chatter about inflation and how it might affect attorney fees. Specifically, folks are wondering if inflation will slow down enough to keep those fees from going up. Well, let's dive into that and take a look at how inflation could potentially impact the filing fee and attorney costs in Indiana.

Now, when it comes to the filing fee for Chapter 7 bankruptcy, there was a teeny-tiny update recently. The fee went up from $335 to $338. As for Chapter 13 bankruptcy, the filing fee increased from $310 to $313. But hold on a sec, these changes are so small that I don't think they'll have a major impact on you.

But here's the thing: attorney fees might be a different story. See, inflation can put pressure on bankruptcy attorneys. They might end up having to pay more to their employees or deal with higher costs of living themselves. This could be especially true if they're practicing in places like Fort Wayne, Evansville, or anywhere else in Indiana.

So, while the filing fee might not be a huge concern, you might see some inflation-related effects on attorney fee costs. It's something to keep in mind if you're considering hiring a bankruptcy attorney. Stay tuned as we explore this topic further!

Would My Bankruptcy Cost Be Higher in Indianapolis Than Evansville?

Let’s say you're living in Indiana and you're facing the tough decision of whether to hire a local attorney or venture into a big city, like Fort Wayne, to save on bankruptcy costs. It's a valid concern.

Now, here's the deal. Indianapolis, with a whopping population of 867,125, takes the crown for the most populous city in Indiana. Naturally, you might assume that the cost of hiring a bankruptcy attorney would be higher there compared to a smaller city like Evansville.

But keep in mind! While the cost may indeed be higher in Indianapolis, there's a twist. The big city also boasts a larger number of bankruptcy attorneys, which means more competition and potentially lower prices. Surprising, isn't it? So, it's possible that the total cost of filing for bankruptcy, including attorney fees, could actually end up being higher in your little corner of the world than in bustling Indianapolis.

Now, let me drop some knowledge on you. Most bankruptcy attorneys offer something pretty sweet: free bankruptcy consultations. That means you can gather multiple perspectives without spending a dime. How cool is that? And hey, we've got your back too! Our bankruptcy cost calculator below takes all these factors into account to give you an estimate of the all-in cost.

Why Do Some Attorneys Charge Higher Chapter 7 Bankruptcy Fees? 

Now, if you're thinking about hiring a bankruptcy attorney in Fort Wayne, you might be surprised to find that their costs can vary.

When it comes to Chapter 13 bankruptcy attorneys in Evansville, things are a bit different. They usually charge a standard fee known as the "no-look fee." It's like a set price for the services they provide. But hold on, because Chapter 7 bankruptcy attorney fees can be all over the map. So it's crucial to understand what you're paying for.

Now, let's break down the factors that can affect the cost of a bankruptcy lawyer:

  1. The type of bankruptcy you're filing, whether it's Chapter 7 or Chapter 13.
  2. The complexity of your case, like whether you have assets or not.
  3. Your location, because different cities may have different rates.
  4. The level of connection you have with the attorney.
  5. The attorney's expertise, which is often measured by their years of experience.

Let me give you an example to make things clearer. Imagine you earn $10,000 more than the average income in Indiana, and you still want to file for Chapter 7 bankruptcy. In this case, the attorney may need to spend extra time reviewing your expenses to determine if you qualify. And as you can guess, more attorney time usually means a higher overall cost.

If you want to dive deeper into the topic and learn more about bankruptcy lawyer fees, check out this informative article: Understanding Bankruptcy Lawyer Fees.


Now, I hope this article has given you some useful info to wrap your head around the costs of filing bankruptcy with a lawyer. If you've got any questions, don't hesitate to reach out. And hey, if you want to get a quick estimate of the costs specific to Indiana, you can check out our nifty Indiana bankruptcy cost calculator below. It's totally free!

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