Cost to File Bankruptcy in Ohio (2024)

Bankruptcy can feel like an overwhelming journey, but understanding the cost to file and the estimated bankruptcy attorney fees in Ohio 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.

If you're thinking about filing for bankruptcy in Ohio, you might be wondering about the costs involved. Well, let me tell you, it's not as straightforward as it seems. Sure, there's a base fee of $338 for a Chapter 7 bankruptcy and $313 for a Chapter 13 bankruptcy in 2024. But hold on, there's more to consider!

First of all, if you decide to hire a bankruptcy attorney, the costs can vary. We did some digging and spent around $1,000 on PACER, a public records database, to get an idea of attorney fees in Ohio. And guess what? We found that the Chapter 7 attorney fee range can be anywhere between $1,090 and $1,500. Now, keep in mind that this is just an estimate. If you want a more accurate figure based on your specific location in Ohio, we've got a free bankruptcy cost calculator for you.

But wait, there's another twist! How can you afford bankruptcy when you're struggling to pay your bills, right? Especially with interest rates and inflation still causing trouble in 2024. Well, my friend, you're not alone in wondering that. You see, 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 Ohio. Whether you're in Columbus or Cleveland, the price tag could be quite different.

So, in this article, we're here to break it down for you and give you an estimate of the all-in costs of bankruptcy. We'll cover two main aspects:

  1. Bankruptcy Attorney Fees
  2. Bankruptcy Filing Costs

Estimate the All-In Bankruptcy Cost in Your Zip Code

We've been getting multiple questions about bankruptcy costs in Ohio, so we decided to take matters into our own hands. We've built a database of attorney fees just for this purpose!

To find out how much bankruptcy might cost you in your city in Ohio, all you need to do is enter your zip code below. Our trusty tool will do the rest and give you an estimate. 

So instead of spending hours researching costs that are generalized, we built this calculator to help you break it down and provide you with estimates based on your own personalized situation! It's like having your very own personal assistant but without the need to pay a fee.

Find out how much bankruptcy might cost you in Ohio. It's time to take control of your financial future and make informed decisions. Don't let uncertainty hold you back. Get the information you need and pave the way to a fresh start.

Remember, knowledge is power. And with our bankruptcy cost estimator, you'll be armed with the knowledge you need to make the best choices for your situation. Good luck on your bankruptcy journey!

1. Actual Lawyer Costs By District In Ohio

Though we've shown a range of bankruptcy lawyers' fees above, the exact amount will vary depending on a few different circumstances. A number of factors, including the bankruptcy lawyer's experience, the case's complexity, the attorney-client relationship, and the lawyer's location, influence the final cost. But since location is so important, let's examine the real costs obtained from the Pacer filing data, as well as the map of the Ohio bankruptcy districts.

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

Map of Northern and Southern Districts in Ohio

Ohio Northern District

The Northern District of Ohio spans a significant region, encompassing key cities such as Cleveland, Toledo, and Akron. Operating within the Eastern time zone, this district comprises 40 counties and is served by 11 judges across 3 courthouses.

If you reside near these major cities within Ohio's Northern District, the expected bankruptcy filing fee generally falls within the range of $1,115.00 to $1,400.00. It's crucial to note that this is an estimate, and actual costs may vary based on your financial situation, your chosen legal professional, and various other factors.

Ohio Southern District

Encompassing a sizable territory, the Southern District of Ohio includes major cities such as Cincinnati, Dayton, and Columbus. This district, which is in the eastern time zone, is made up of 48 counties and has 4 courthouses with 25 judges sitting in them.

In Ohio's Southern District, those living close to these large cities can anticipate paying between $900.00 and $1,500.00 for filing bankruptcy. It's important to remember that this is only an estimate and that actual costs may change depending on things like your financial situation and the attorney you choose.

2. Chapter 13 Bankruptcy Attorney Fees Ohio

Chapter 13 bankruptcy attorneys in Ohio can charge around $3500 - $4000. The exact fee may vary depending on the district. Unlike Chapter 7 attorney fees, Chapter 13 fees tend to be more consistent due to something called "no-look fees." These fees are considered a fair and reasonable cost for the services provided. However, it's important to note that some attorneys may charge an hourly rate for any extra work done after filing for Chapter 13. So, it's always a good idea to inquire about additional charges.

3. Bankruptcy Filing Costs

Bankruptcy filing costs are pretty much the same all over the United States, not just in Ohio. But hold on, there are some other costs you should keep in mind too. Let's break it down for you.

Bankruptcy Filing Fees

If you're thinking about filing for bankruptcy in the US, there are a couple of things you need to know. First off, there's a fee you gotta pay, but don't worry, I'll break it down for you.

For Chapter 7 bankruptcy, the filing fee comes to a total of $338. Now, let's break that down even further. You've got a $245 filing fee, a $78 administrative fee, and a $15 trustee surcharge. It all adds up, my friends.

Now, if you're looking at Chapter 13 bankruptcy, the filing fee is a bit lower. It's gonna cost you $310. This includes a $235 filing fee and a $78 administrative fee. You must keep those numbers in mind, folks.

Now, I know what some of you might be thinking. "What if I can't afford the filing fee?" Well, don't you worry. There might be a solution for you. You could either pay the fee in installments or, get this, have it waived altogether. Yeah, that's right, waived! To get all the nitty-gritty details, check out the Ohio filing fee information and the info below. They'll have all the answers for you.

Ohio Filing Fee Waiver Guidelines

I've got some good news for you. You might be able to have your filing fees waived. Yep, you heard that right! But there's a catch – you need to be below 150% of the Ohio poverty guidelines. Don't worry, though. I've got all the deets on those guidelines for you right here, hot off the press for 2024.

Okay, so let's break it down. If you're a single person, you gotta be making less than $13,590 a year to be eligible for the fee waiver. For all you lovebirds out there, if you're a couple, you can make up to $18,310. Got a little family of three? Your income should be below $23,030. And it goes on like that. For each additional person in your household, you can add $4,720 to the limit.

Now, I know this might sound a bit confusing, but don't worry. Take a look at the table below and it'll all make sense. It shows you the number of people in your household and the corresponding income limit you need to stay under. Easy peasy, right?

So, if you find yourself falling within those income limits, you can wave goodbye to those pesky filing fees. It's like a weight off your shoulders, isn't it? Just remember, this is specific to Chapter 7 bankruptcy filings in Ohio, so make sure you check your state's guidelines if you're elsewhere.

Mandatory Course Costs

When you find yourself in a situation where you have to file for bankruptcy, there are a couple of things you need to do. First off, you have to take these nifty little courses called credit counseling and debtor education courses. Now, the good news is that you can usually take these courses online, which is super convenient. 

But wait, before you go signing up for just any old course, you need to make sure it's approved. Lucky for you, I've got the hookup. If you're in Ohio, you can find a list of approved credit counseling courses. And if that's not enough, I've got you covered for approved debtor education courses as well.

Now, I know what you're thinking. How much is this gonna cost me? Well, the average price for these courses is somewhere between $10 and $50 per course. Not too shabby, right? Just keep in mind that these prices can vary, so it's always a good idea to double-check before you dive in.

Miscellaneous Costs

You know, attending a meeting of creditors at the courthouse can be quite a hassle. And guess what? You might even have to shell out some cash for transportation. Yeah, I know, it's not the most exciting thing to spend your money on. But hey, it's part of the deal. 

Now, here's the thing. Your attorney might ask you to get a credit report. And guess what again? You might have to pay for that too. But keep in mind, your attorney might be able to lend a helping hand with that credit report. They might have some tricks up their sleeve to make it easier for you.

But let's talk about the cost of transportation. I mean, you gotta know what you're getting into, right? So, here's the deal. The cost can vary depending on which bankruptcy court you're headed to. It's like a wild card, you never know what you're gonna get. But don't worry, I've got your back. Below, you’ll find a map of all the bankruptcy courts located in Ohio, just hover over to your nearest location and you can find out how far it would cost you to get you there.

Will Inflation Affect the Cost To File Bankruptcy in Ohio?

So, there's been some talk about inflation and its potential impact on attorney fees. Specifically, people are wondering if inflation will slow down enough to prevent attorney fees from rising. Well, let's dive into it and see how inflation might affect the filing fees and attorney costs in Ohio.

First things first, let's talk about the filing fees for bankruptcy cases. As of December 1st, 2020, the Chapter 7 bankruptcy filing fee was bumped up from $335 to $338, while the Chapter 13 bankruptcy filing fee went from $310 to $313. Now, these changes are pretty minor, so I wouldn't expect them to have a negative impact on you.

However, when it comes to attorney fees, things might be a bit different. You see, inflation can lead to increased costs for bankruptcy attorneys. They might have to shell out more money to pay their employees, and they themselves might face higher costs of living, especially if they're based in cities like Cleveland, Cincinnati, or anywhere else in Ohio.

So, while the filing fees might not be a big concern, there's a chance that attorney fees could see some inflation-related increases. It's something to keep in mind if you're planning on seeking legal assistance for a bankruptcy case in Ohio.

Would My Bankruptcy Cost Be Higher in Columbus Than in Cincinnati?

You're sitting at home in Ohio, pondering whether it's better to hire a local attorney or venture into the big city of Cleveland for your bankruptcy needs. It's a tough decision, no doubt.

With a population of 895,477, Columbus is the most populous city in Ohio. So, naturally, you might assume that the cost of hiring a bankruptcy attorney there would be higher compared to a smaller city like Cincinnati. That makes sense, right?

Well, here's the twist. While the cost may indeed be higher in Columbus, there's also a greater number of bankruptcy attorneys in the mix. And you know what that means? Competition! And competition often leads to lower prices. So, it's entirely possible that the total cost of filing for bankruptcy, including attorney fees, could actually be much higher in your own city than in bustling Columbus.

But hold on a second! Before you make any decisions, there's something you should know. Most bankruptcy attorneys offer free consultations. Yep, you heard that right. FREE! So, why not take advantage of this opportunity to gather multiple perspectives? It's like getting a buffet of advice, all without spending a dime.

And if you want to take things a step further, we've got you covered. Our nifty bankruptcy cost calculator below takes all these variables into account and provides you with an all-in cost estimate. It's like having a personal financial wizard at your fingertips.

Why Do Some Attorneys Charge Higher Chapter 7 Bankruptcy Fees?

You know what they say, comparing prices is the name of the game. So, picture this: you're in Cleveland, looking for a bankruptcy attorney, and you stumble upon two different ones. You decide to do a little detective work and compare their prices. Lo and behold, you find out that these attorneys have quite the price gap going on.

Now, here's where things get interesting. In Cincinnati, Chapter 13 bankruptcy attorneys tend to charge a fixed amount. They call it the "no-look fee," which is a fancy way of saying it's a standard fee for their services. But hold your horses, because when it comes to Chapter 7 bankruptcy attorneys, it's a whole different ball game. The fees can vary big time, my friend. So, it's crucial to know what you're paying extra for.

Let's break it down for you. The cost of a bankruptcy lawyer often depends on a few key factors:

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

Now, let's say you're making some serious dough in Ohio, earning $10,000 above the state's median income. And yet, you still want to file for Chapter 7 bankruptcy. Well, guess what? The attorney might have to put in some extra legwork to dig into your expenses and figure out if you even qualify for Chapter 7. And you know what that means, right? More time spent by the attorney equals a higher overall cost for you.

If you're curious to learn more about this whole bankruptcy lawyer fee situation, head on over to this article: Understanding Bankruptcy Lawyer Fees


So, if you're thinking about filing for bankruptcy in Ohio, you might be wondering about the costs involved. Well, let me break it down for you. The cost can vary depending on where you live in the state and the type of bankruptcy you're filing. However, the biggest factor that affects the overall cost is the attorney fee.

For a Chapter 7 bankruptcy, the attorney fee can range from around $1090 to $1500. If you're considering a Chapter 13 bankruptcy, the attorney fee can be higher, ranging from $3500 to $4000.

Now, I hope this information has been helpful in giving you an idea of the costs involved in filing for bankruptcy with a lawyer in Ohio. If you have any questions, feel free to reach out. And if you want to get a more accurate estimate of the costs, you can try using the free Ohio bankruptcy cost calculator below. It's a handy tool to have!

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