Cost to File Bankruptcy in Texas (2024)

How much does a bankruptcy lawyer charge in Texas for a Chapter 7 or Chapter bankruptcy? Understand how to reduce your costs.
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.

A bankruptcy costs $338 to file a Chapter 7 bankruptcy in Texas, and $313 for a Chapter 13 bankruptcy in Texas in 2024. That's just the tip of the iceberg though. If you're considering hiring a bankruptcy attorney or hoping to get those fees waived, things get a little more complicated, which we will cover in this article.

Now, here's where it gets interesting. We dug deep and did some serious detective work to give you an accurate estimate of how much those attorney fees can set you back in the Lone Star State. We spent ~$1,000 on PACER, a nifty public records database that spills the beans on bankruptcy attorney fees. It has ACTUAL attorney fees in Texas.

And guess what?

As of 2024, we found that Chapter 7 attorney fees can range from a $800 to $2,700. But hey, keep in mind that this is just an estimate. If you want a more precise figure based on your specific location in Texas, we've got you covered. Check out our free Texas bankruptcy cost calculator below.

Now, let's talk about the elephant in the room: affordability.

Trust me, I get it.

How on earth can you afford the cost of bankruptcy in Texas when you're already struggling to pay your bills?

Especially with interest rates and inflation still wreaking havoc in 2024. Well, my friend, here's the deal. While many bankruptcy costs, like the filing fee and credit counseling courses, are pretty similar across the board, attorney fees can vary like crazy. Whether you're in Houston or San Antonio, brace yourself for a potentially dramatic range.

So, to sum it all up, this article is here to give you the lowdown on the estimated all-in costs of filing for bankruptcy in Texas. We are going to spend the most time on attorney fees as that's often your biggest expense.

  1. How much does a lawyer charge for Chapter 7?
  2. How much does a lawyer charge for Chapter 13?
  3. How to reduce your bankruptcy costs
  4. Miscellaneous costs and FAQs

Also, this article places a greater weight on Chapter 7, but if you are unsure which you are going to file, please consider reading our article Chapter 7 vs Chapter 13 bankruptcy.

How much does a lawyer charge for Chapter 7?

I get a lot of questions about how much bankruptcy costs in Texas. We totally get it - it's a big concern. So, guess what? We've got you covered! We've built a nifty database of attorney fees, specifically for bankruptcy cases in Texas.

All you need to do is enter your zip code below, and voila! You'll get an estimate of the cost of bankruptcy in your very own city in the Lone Star State. It's like having your own personal cost estimator at your fingertips! So, go ahead and give it a whirl. Enter your zip code, and let's find out how much bankruptcy might set you back in Texas. We're here to help you navigate through the financial maze and find some clarity. Good luck, my friend!

If you'd prefer not to get an estimate, let's look at attorney fees by area.

1. Actual Attorney Costs by Area

We provided a range of what a bankruptcy lawyer charges above, but the final cost depends on a few factors. Complexity, location, level of attorney connection, and the bankruptcy lawyer's expertise all play a role in determining the final bill. Where you live is a big factor though, so let's look at the bankruptcy district map in Texas and actual fees from Pacer filing data.

Find which district you live in from the map below then look at actual attorney fees below.

Bankruptcy court and districts how lawyers charge fees for Chapter 7 bankruptcy
Attorney may charge differently based on where you live.

Source

Now, let's dive into some numbers. Here are the estimated costs you can expect in major cities across Texas.

Texas Northern District

So, you find yourself in a tough financial spot, huh? Don't worry, you're not alone. Many folks out there have faced financial struggles at some point in their lives. And when things get really tough, some people turn to bankruptcy as a way to get a fresh start.Now, if you're considering bankruptcy in Dallas, you might be wondering about the cost. Well, let me tell you, hiring a bankruptcy attorney ain't exactly cheap. On average, you're looking at shelling out $1700 - $2200 for their services. The sources of this information is all from PACER.

What a lawyer charged for Chapter 7 bankruptcy in Texas Northern District Example 2
What an actual attorney charged for a Chapter 7 in Texas Northern.
What a lawyer charged for Chapter 7 bankruptcy in Texas Northern District Example 2
Another example of what an actual attorney charged in Texas Northern.

Texas Southern District

Alright folks, let's talk about the bustling city of Houston, Texas. This place is jam-packed with people, making it the most populated city in the whole state! Can you believe it? We're talking about a whopping 2,325,502 folks calling Houston their home sweet home.Now, here's the deal. If you ever find yourself in a tough financial spot in Houston, you might need the help of a bankruptcy attorney. But hold on to your hats, because these legal eagles can cost you a pretty penny.

Brace yourselves, folks, because the estimated price tag for a bankruptcy attorney in Houston is around $1800 -$2600.

What a lawyer charged for Chapter 7 bankruptcy in Texas Southern District Example 1
What a lawyer charged for a Chapter 7 bankruptcy in Texas Southern.

What a lawyer charged for Chapter 7 bankruptcy in Texas Southern District Example 2
Another example of what a lawyer charged for a Chapter 7 bankruptcy in Texas Southern.

Texas Western District

If you find yourself facing bankruptcy in San Antonio, there are some legal professionals who can lend a helping hand in the Western District. But, as with most things in life, their services come at a price. Brace yourself, my friend, because hiring a bankruptcy attorney in Western District can set you back around $800-1200.

What a lawyer charged for Chapter 7 bankruptcy in Texas Western District Example 1
What Lawyer Charged in Texas Western District for Chapter 7 Bankruptcy
What a lawyer charged for Chapter 7 bankruptcy in Texas Western District Example 2
Another example of what lawyer charged for Chapter 7 bankruptcy in Texas Western district.

Texas Eastern District

Texas Eastern district have courts in Plano, Beaumont and Tyler Texas. We found 3 cases where the attorneys there charged between $1600 - $2642 for a Chapter 7 bankruptcy.

What a lawyer charged for Chapter 7 bankruptcy in Texas Eastern District Example 1
What a lawyer charged for Chapter 7 bankruptcy in Texas Eastern District

What a lawyer charged for Chapter 7 bankruptcy in Texas Eastern District Example 2
Another example of what lawyer charged for Chapter 7 bankruptcy in Eastern District Texas.

2. Chapter 13 Bankruptcy Attorney Fees Texas

Chapter 13 bankruptcy attorneys in Texas can charge anywhere between $2500 and $3825 for their services. The actual fee may vary depending on the district you're in.

Now, when it comes to Chapter 7 attorney fees, there's more variability. However, Chapter 13 fees tend to be relatively similar. This is because of something called "no-look fees," which are considered a reasonable cost for the services provided.

But here's something to keep in mind. Even if you're going for a Chapter 13 bankruptcy, it's worth checking if the attorney charges an hourly rate for any additional work that may be required after filing. It's always good to have all the information upfront, so you know exactly what to expect.

3. How To Reduce Bankruptcy Costs

Hey there! Did you know that bankruptcy filing costs are pretty similar all across the United States? Yep, it's not just Texas. So, if you're thinking about filing for bankruptcy, there are a few other costs you should consider. Let's dive in and take a look, shall we?

A. Hiring A Remote Attorney

When filing Chapter 7 bankruptcy, you used to have to appear in court for a 341 meeting of creditors. Now, many things are going online from COVID. There are actual telephonic instructions for the 341 meeting of creditors now.

So, if you're comfortable doing most things over Zoom, you may save quite a bit if:

  1. You don't have to take off work to go to a physical consultation and paperwork signing.
  2. You do not have to use your vehicle and gas to go to the consultation.
  3. Reducing attorney costs of having a physical office may reduce his/her fees

B. Getting Bankruptcy Filing Fees Waived

So you're thinking about filing for bankruptcy? Well, before you dive headfirst into the legal waters, let's talk about the filing fees. Nobody likes fees, but unfortunately, they're a necessary evil in the world of bankruptcy.

If you're filing for Chapter 7 bankruptcy in the US, you'll need to cough up $338. Now, before you start panicking, let me break it down for you. This fee includes a $245 filing fee, a $78 administrative fee, and a $15 trustee surcharge. Yeah, it's a bit of a bummer, but hey, at least you know where your hard-earned dollars are going, right?

Now, if you're considering Chapter 13 bankruptcy, the filing fee is a little lower at $313. This includes a $235 filing fee and a $78 administrative fee. Still not ideal, but hey, every penny counts when you're in a financial bind.

But wait, there's a glimmer of hope! If you're strapped for cash and can't afford the filing fee, there might be a way out. You could potentially pay the fee in installments or, get this, have it waived altogether. That's right, you heard me. The fee could be waved like a magic wand. For more information on this tantalizing possibility, check out the Texas filing fee information and the juicy details below.

Texas Filing Fee Waiver Guidelines

Hey there! If you're thinking about filing for Chapter 7 bankruptcy and you're worried about the fees, I've got some good news for you. There's a chance you might be able to get those fees waived if your income falls below 150% of the Texas poverty guidelines. Let me break it down for you.

In the table below, you can find the poverty guidelines for different household sizes in Texas for the year 2024. These guidelines determine the maximum income you can have to be eligible for the fee waiver.

Number of People | 150% Poverty Guideline
-----------------|-----------------------
1 | $15,060
2 | $20,440
3 | $25,820
4 | $31,200
5 | $36,580
6 | $41,960
7 | $47,340
8 | $52,720
* Add $5380 for each additional person

So, if your household size is 1 and your income is below $15,060, or if you have a larger household and your income is below the corresponding guideline, you could be eligible for the fee waiver. It's important to note that if you have more than 9 people in your household, you'll need to add $5380 for each additional person.

This fee waiver can be a huge help for those who are struggling financially and need a fresh start. However, keep in mind that there may be other requirements and paperwork involved in the bankruptcy process. It's always a good idea to consult with a bankruptcy attorney who can guide you through the process and help you determine if you qualify for the fee waiver.

I hope this information has been helpful to you. Remember, it's important to stay informed and seek professional advice when dealing with legal matters like bankruptcy. Good luck on your journey to financial stability!

4. Miscellaneous Costs and FAQs

Let's cover other costs and FAQs.

Mandatory Course Costs

When you're in a tight spot and decide to file for bankruptcy, there are a couple of courses you'll need to take. In Texas, you'll have to complete an approved credit counseling course and a debtor education course. The good news is that you can often take these courses online, making it more convenient for you.

Now, let's talk about the cost. On average, these courses will set you back around $10 to $50 per course. It's important to note that the courses must be approved, so you'll want to make sure you're taking the right ones. Lucky for you, we've got a list of approved Texas credit counseling courses and Texas debtor education courses. You can find all the details, including the cost, by checking out the links provided.

Remember, bankruptcy can be a tough road to travel, but these courses can help you navigate through it. So, take a deep breath, get yourself enrolled, and let's tackle this together!

Miscellaneous Costs

Hey there! So, if you're planning on attending a meeting of creditors at the courthouse, there might be some expenses involved. One thing you might have to shell out for is transportation. Yep, you might have to cover the cost of getting yourself to the courthouse.

Another possible expense is a credit report. Now, here's the deal - your attorney might need a credit report to help you out with your case. But guess what? You might have to foot the bill for that too. Although, your attorney might be able to assist you in obtaining the credit report.

Now, let's talk numbers. If you're wondering how much transportation to the bankruptcy court might set you back, don't worry, I've got you covered. You can estimate the cost by checking out the bankruptcy courts listed below. Take a look and plan accordingly!

Northern District

Hey there, fellow Texans! Are you in need of some important addresses? Well, look no further! Here are some key locations you might want to jot down:

First up, we have 341 Pine Street, Room 2008, Abilene, TX 79601. Need to find your way to Amarillo instead? No worries! You can head on over to 205 SE 5th Avenue, Room 133, Amarillo, TX 79101-1559.

If you're in the big city and find yourself in Dallas, you can swing by 1100 Commerce Street, Room 1452, Dallas, TX 75242. But wait, there's more! Fort Worth folks, we haven't forgotten about you. You can find what you're looking for at 501 West 10th Street, Room 310, Fort Worth, TX 76102-3673.

Moving on down to Lubbock, we have 1205 Texas Avenue, Room 209, Lubbock, TX 79401-4091. And hey, San Angelo residents, we've got something for you too! Just head on over to 33 E. Twohig Avenue, Room 202, San Angelo, TX 76903-6451.

Last but not least, we have 1000 Lamar Street, Room 203, Wichita Falls, TX 76301. So, whether you're in Abilene, Amarillo, Dallas, Fort Worth, Lubbock, San Angelo, or Wichita Falls, we've got you covered with these handy addresses. Happy navigating!

Southern

If you find yourself in the great state of Texas, specifically in the southern region, and you're in need of some important addresses, look no further! Here are a few key locations you might want to jot down:

- First off, we have 600 E. Harrison St. in Brownsville, TX 78520. This address is sure to come in handy if you're in the Brownsville area.

- Next up, we've got 1133 N. Shoreline Blvd. in Corpus Christi, TX 78401. If you ever find yourself in the beautiful coastal city of Corpus Christi, this is an address worth remembering.

- Moving along, we have 601 Rosenberg in Galveston, TX 77550. Galveston is known for its stunning beaches and rich history, so keep this address close by if you're planning a visit.

- Now, let's head over to Houston, where you'll find 515 Rusk Street, Houston, TX 77002. Houston is a bustling city with so much to offer, and this address might just lead you to an exciting destination.

- If you happen to be in Laredo, TX, make a note of 1300 Victoria St., Laredo, TX 78040. Laredo is a vibrant border town, and you never know when this address might come in handy.

- Next on our list is 1701 W. Business Hwy 83, McAllen, TX 78501. McAllen is known for its warm weather and friendly atmosphere, so if you're ever in the area, keep this address in mind.

- Last but not least, we have 312 S. Main, Room 406, Victoria, TX 77901. Victoria is a charming city with a rich history, and this address might just lead you to an interesting spot.

So there you have it, a handful of addresses in different cities across southern Texas. Whether you're a local or just passing through, these addresses might just come in handy.

Eastern

If you're looking for some addresses in Texas, I've got you covered! Here are a few places you might find interesting:

1. 300 Willow Street Suite 104, Beaumont, Texas 77701: This spot in Beaumont is definitely worth a visit. Whether you're a local or just passing through, you'll find something to enjoy in this vibrant city.

2. 104 North Third Street, Lufkin, Texas 75901: Lufkin is a charming town with a lot to offer. From its friendly community to its picturesque streets, you'll feel right at home in this cozy corner of Texas.

3. 100 East Houston Street Room 125, Marshall, Texas 75670: Marshall is a town steeped in history. Take a stroll through its streets and you'll feel like you've stepped back in time. Don't forget to check out the local shops and restaurants!

4. 500 North State Line Avenue, Texarkana, Texas 75501: Texarkana is a unique city that straddles the Texas-Arkansas border. With its blend of southern charm and modern amenities, there's something for everyone here.

5. 211 West Ferguson Street Room 106, Tyler, Texas 75702: Tyler is known as the "Rose Capital of the World," and for good reason. Its beautiful gardens and vibrant downtown make it a must-see destination.

So, whether you're exploring the bustling streets of Beaumont or taking a leisurely stroll through the charming town of Lufkin, Texas has a little something for everyone. Don't miss out on these fantastic addresses!

Western

Hey there, Texans! If you're looking for some important addresses in the Lone Star State, look no further. I've got a list of some key locations you might want to know about. So, grab a pen and paper, and jot these down.

First up, we have 2450 State Hwy. 118 in Alpine, Texas 79830. If you find yourself in the scenic town of Alpine, this is the place to be.

Next, we're heading to the bustling city of Austin. Make your way to 501 West Fifth Street, Suite 1100, Austin, Texas 78701. This address is right in the heart of the action.

Now, let's take a trip down to Del Rio, Texas. You'll want to find your way to 111 East Broadway, Room L100, Del Rio, Texas 78840. It's a cozy spot in this charming town.

Heading west, we arrive in El Paso, Texas. Look for 525 Magoffin Avenue, Suite 105, El Paso, Texas 79901. This address is sure to lead you to some exciting adventures.

If you're near Fort Hood, you'll want to check out the MG Williams Justice Center. It's located at Bldg. 5794, Tank Destroyer Blvd. Trust me, you won't miss it.

Next on our list is 200 East Wall, Room 222, Midland, Texas 79701. Midland has a lot to offer, and this address is a great starting point for exploration.

Now, let's head to Pecos, Texas. Look for 410 South Cedar, Pecos, Texas 79772. You'll find some true Texan charm in this small town.

Last but not least, we have 655 E. Cesar E. Chavez Blvd., Room G65, San Antonio, Texas 78206. San Antonio is known for its rich history and vibrant culture, and this address is right in the heart of it all.

So, there you have it, folks. Some key addresses in Texas that you might find useful. Whether you're a local or just passing through, these locations are worth keeping in mind. Happy exploring!

Will Inflation Affect the Cost To File Bankruptcy in Texas?

So, here's the deal: inflation in 2024 is expected to calm down. But what does that mean for attorney fees? Will they still go up? Let's dive into the nitty-gritty and see how inflation might affect the filing fee and attorney costs in Texas.

Now, when it comes to the filing fee for Chapter 7 bankruptcy, it recently went up from $335 to $338. And for Chapter 13 bankruptcy, it increased from $310 to $313. These changes came into effect on December 1st, 2020. But hold on a sec, the increase is so slight that it's unlikely to put a dent in your wallet.

However, when it comes to attorney fees, things might get a bit trickier. You see, inflation can push bankruptcy attorneys to pay their employees more and deal with higher living costs themselves, especially in cities like San Antonio, Dallas, and across the great state of Texas. So, there's a chance you might see some inflation creeping into those attorney fee costs.

Would My Bankruptcy Cost Be Higher Houston Than Dallas?

You know, living in a suburb in Texas can make you wonder about some things. Like, should you hire a local attorney or go for someone in a bigger city, say San Antonio, to save on bankruptcy costs? It's a tough call, I get it.

Now, Houston, that's a bustling place with a whopping population of 2,325,502. With so many people, you might think that the cost of bankruptcy attorney fees would be sky-high over there, right? Well, not necessarily.

See, while the cost may be higher in Houston, there's also a silver lining. There's more bankruptcy attorneys in the mix, which means more competition and, you guessed it, lower prices. So, hold your horses before you assume that filing for bankruptcy in your own city is cheaper than in Houston.

But here's the deal: most bankruptcy attorneys offer free consultations. Yep, you heard that right. Free. So, why not take advantage of that? You can get multiple perspectives and make an informed decision. And hey, we've got something to help you out too. Check out our bankruptcy cost calculator below. It takes all those variables into account and gives you an estimate of the total cost. Handy, right?

Why Do Some Attorneys Charge Higher Chapter 7 Bankruptcy Fees?

So, you're in a bit of a financial pickle and considering filing for bankruptcy. It's a tough decision, but sometimes it's the best way to get a fresh start. Now, when it comes to hiring a bankruptcy attorney in San Antonio, you might be surprised to find that their costs can vary quite a bit. It's like comparing apples and oranges!

When it comes to Chapter 13 bankruptcy attorneys in Dallas, though, things are a bit different. They usually charge a fixed fee, known as the "no-look fee," which is pretty standard for the services they provide. So, you can expect similar costs across the board. But hold on, because Chapter 7 bankruptcy attorney fees can be all over the place. It's like a roller coaster ride!

Now, let's break down what factors can influence the cost of a bankruptcy lawyer. First off, it depends on which chapter you're filing under - Chapter 7 or Chapter 13. Then, the complexity of your case comes into play. Are you dealing with assets or no assets? Location matters too. Are you in Houston or San Antonio? And let's not forget about the level of connection you have with your attorney and their expertise. How many years of experience do they have? It's like putting together a puzzle!

Here's an example to help you understand. Let's say you're making $10,000 more than the median income for Texas, and you want to file for Chapter 7 bankruptcy. Well, in this case, your attorney might need to spend extra time reviewing your expenses to see if you still qualify. After all, being above the median income can complicate things. And as you can imagine, more attorney time means a higher overall cost. It's like adding fuel to the fire!

If you want to dive deeper into the world of bankruptcy lawyer fees, we've got just the article for you. Check out "Understanding Bankruptcy Lawyer Fees" for more juicy details. It's like a treasure trove of information!

Conclusion

Hey there, folks! If you're considering bankruptcy in the great state of Texas, you might be wondering about the costs involved. Well, let me break it down for you. The cost of filing bankruptcy in Texas can vary depending on where you live and the type of bankruptcy you're filing.

Now, the biggest factor that affects the overall cost is the attorney fee. For a Chapter 7 bankruptcy, you're looking at shelling out anywhere between $800 and $2000. If you're going for a Chapter 13 bankruptcy, the attorney fee can range from $2500 to $3825.

Now, I know all these numbers can be a bit overwhelming, but don't worry! I've got you covered. If you want a more accurate estimate of the costs, you can try out the free Texas bankruptcy cost calculator below. It'll help you get a clearer picture of what you're dealing with.

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