Cost to File Bankruptcy in Minnesota (2024)

Bankruptcy can feel like an overwhelming journey, but understanding the cost to file and the estimated bankruptcy attorney fees in Minnesota 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 Minnesota may seem straightforward at first, but there are some nuances to consider. 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 complex when you factor in hiring a bankruptcy attorney and the possibility of having the filing fees waived. 

If you're wondering about the attorney fees in Minnesota, we've done some legwork for you. By digging into the public records database called PACER, we spent around $1,000 to get a more accurate estimate. As of 2024, we found that the range for Chapter 7 attorney fees in Minnesota is between $1,170 and $1,450. Keep in mind that this is just an estimate, but it should give you a good idea of what to expect. If you want a location-specific estimate, we've got you covered with a free Minnesota bankruptcy cost calculator below. It takes into account your exact location in Minnesota.

If you're like me, you're probably wondering how on earth you can afford the cost of bankruptcy in Minnesota, especially when it's already challenging to pay your bills. And let's not forget about the ongoing concerns of interest rates and inflation in 2024. The good news is that many bankruptcy costs, such as the filing fee and the credit counseling courses, tend to be relatively similar across the board. However, when it comes to attorney fees, things can vary dramatically depending on whether you're in Minneapolis or Saint Paul.

So, the purpose of this article is to provide you with estimated all-in costs, focusing on two main factors:

  1. Bankruptcy Attorney Fees
  2. Bankruptcy Filing Costs

Estimate the All-In Bankruptcy Cost in Your Zip Code

We've been getting a ton of questions about the cost of bankruptcy in Minnesota. So, to make things easier for you, we've gone ahead and built a database of attorney fees. Now, all you gotta do is enter your zip code below. You'll get an estimate of the cost of bankruptcy in your city in the great state of Minnesota. 

1. Actual Lawyer Costs By District In Minnesota 

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

Minnesota District

Covering a substantial area, the District of Minnesota includes major cities like Minneapolis, St. Paul, and Duluth. Operating within the Central Time zone, this district spans 87 counties. It features a central courthouse in Minneapolis and additional court facilities throughout the district, overseen by 7 active district judges and 4 magistrate judges. The diverse economic activities and dynamic communities in Minnesota's District contribute to the overall richness of the region.

For residents in proximity to these major areas within Minnesota's District, the expected bankruptcy filing cost can vary, often falling within a range from $1,500.00 to $2,000.00. 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 Minnesota

Chapter 13 bankruptcy attorneys in Minnesota can charge around $3,000. The actual cost may vary depending on the district. Unlike Chapter 7 attorney fees, Chapter 13 fees tend to be quite similar. They are determined by what's called "no-look fees," which are considered a fair price for the services provided. However, it's important to check if the attorney charges an hourly rate for any extra work done after filing for Chapter 13.

3. Bankruptcy Filing Costs

Bankruptcy filing costs are pretty much the same all over the United States, not just in Minnesota. However, there are other costs you need to think about too. Let's break it down for you.

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

If you're strapped for cash and can't afford the filing fee. There might be some options for you. You could pay the fee in installments or it could be waived altogether.

Minnesota Filing Fee Waiver Guidelines

If you're thinking about filing for Chapter 7 bankruptcy but are worried about the fees, you might be eligible to have those fees waived. Be sure to check out Chapter 7 Bankruptcy Minnesota 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 Minnesota. These courses are designed to provide you with the knowledge and skills to manage your finances better in the future. The good news is that you can usually complete both courses online, which offers flexibility and convenience. Now, let's talk about the cost. On average, you can expect to pay somewhere between $10 to $50 for each course. It's important to note that these courses must be approved by the authorities to ensure their quality and effectiveness. To help you out, I've got the list of approved credit counseling courses in Minnesota and debtor education courses.

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 bankruptcy courthouses in Minnesota by division and looking up your nearest bankruptcy court.

Will Inflation Affect the Cost To File Bankruptcy in Minnesota?

First things first, let's talk about the filing fees. As of December 1st, 2020, the Chapter 7 bankruptcy filing fee was bumped up from $335 to $338, and the Chapter 13 bankruptcy filing fee went from $310 to $313. Now, these changes are pretty minor. So, I wouldn't expect them to hurt you. But here's where things get a little more interesting. When it comes to attorney fees, inflation might play a role. You see, inflation can push bankruptcy attorneys to shell out more money for their employees and deal with higher living costs themselves, especially in cities like Saint Paul or Rochester, or anywhere across Minnesota. So, while the filing fees might not be a big concern, you might see some inflation-driven increases in attorney fee costs. It's a bit of a balancing act for these attorneys, as they try to cover their own rising expenses without burdening their clients too much. All in all, it's a complex situation. Inflation can have its effects, but it's hard to say exactly how it will play out. So, keep an eye out for any changes in attorney fees, and remember that they might be influenced by the ever-changing world of inflation.

Would My Bankruptcy Cost Be Higher in Minneapolis Than Rochester?

You're sitting at home in Minnesota, contemplating whether to hire a local attorney or venture into a bigger city of Saint Paul for your bankruptcy needs.

Now, here's the deal: Minneapolis, with its population of 427,728, might seem like the obvious choice for higher bankruptcy attorney fees. After all, more people usually mean higher costs, right? Well, not necessarily.

While it's true that the cost of bankruptcy in Minneapolis might be a tad higher, there's a silver lining. The abundance of bankruptcy attorneys in the city creates healthy competition, driving prices down. So, believe it or not, you might end up paying less in total bankruptcy costs if you choose Minneapolis over your city.

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? 

It's important to understand that not all bankruptcy attorneys in Saint Paul charge the same fees. Nope, they can vary quite a bit.

Now, regarding Chapter 13 bankruptcy attorneys in Rochester, things are a little different. They usually charge a fixed amount known as the "no-look fee." It's like a standard fee for the services they provide. But hold on, when it comes to Chapter 7 bankruptcy attorneys, the story changes. Their fees can vary a lot, so it's crucial to understand what you're getting for the extra bucks.

So, what determines the cost of a bankruptcy lawyer? Well, there are a few factors at play:

  1. The type of bankruptcy you're filing. Is it Chapter 7 or Chapter 13?
  2. The complexity of your case. Do you have any assets or not?
  3. Your location. Are you in Minneapolis or Saint Paul?
  4. The level of connection with your attorney.
  5. The attorney's expertise. How many years of experience do they have?

Let's say you're making $10,000 above the median income for Minnesota, 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 see if you qualify for Chapter 7 despite your higher income. And guess what? Additional attorney time usually means a higher overall cost for your bankruptcy.

If you want to dive deeper into the world of bankruptcy lawyer fees, check out this article: Understanding Bankruptcy Lawyer Fees.


I hope this article has given you some helpful info to understand the all-in costs of filing for bankruptcy with a lawyer. But hey, if you still have questions, don't hesitate to reach out. And if you wanna get a quick estimate of the costs specific to Massachusetts, check out the free Massachusetts bankruptcy cost calculator below.

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