How Much Does It Cost To File Bankruptcy?

The cost to file bankruptcy does not include attorney fees, so it's important to understand the all-in cost of bankruptcy.
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.

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.

In 2024, the cost to file bankruptcy is $338 for a Chapter 7 Bankruptcy and $313 for a Chapter 13 bankruptcy (source), but an important question is whether you will use a lawyer to work with in your bankruptcy filing.

The filing fee does not cover the cost of attorney fees.

Deciding whether to file with an attorney may depend on your finances, and complexity of the case. For example, the American Bankruptcy Institute conducted a study and found that only 240 individuals out of 10,560 individuals (2.3%) successfully reached the end of a Chapter 13 bankruptcy when filing without a bankruptcy attorney.

Tables shows success of filing Chapter 13 without paying bankruptcy attorney costs.
It may be difficult to successfully reach the end of a Chapter 13 bankruptcy without paying the cost of attorney fees.

If you do not know which bankruptcy you would file, it may be helpful to take a quick look at this guide to understand the difference between Chapter 7 and Chapter 13 bankruptcy.

So, that being said, how much does an attorney charge for Chapter 7 bankruptcy?

How much does a lawyer charge for Chapter 7?

A bankruptcy lawyer can charge $600 - $3000 based on your zip code; we can help you estimate your cost below. For example, a Chapter 7 bankruptcy may cost $2500 in Orlando Florida, but $700 in a remote area of Ohio. There also me a big variance of how much a bankruptcy lawyer charges in Texas which is a larger state with 4 districts. There are other factors such as complexity, attorney interaction time, etc. that may also affect your total cost, but location is a major factor.

Below is a free Chapter 7 attorney fee zip code calculator you can take that considers your zip code to estimate how much your bankruptcy would cost you using a bankruptcy attorney near you.

How much does a lawyer charge for Chapter 13?

A Chapter 13 lawyer can charge between $1800 - $7500 based on your zip code.

While bankruptcy attorneys have some flexibility with how much he/she charges for a Chapter 7 bankruptcy, there's generally a cap in a Chapter 13 bankruptcy called the no-look fee, which was instituted to relieve courts of reviewing fee applications for routine cases.

This means that Chapter 13 attorney fees may be the exact same in each city. One bankruptcy attorney does not like this approach, given the potential complications of a Chapter 13 bankruptcy, but that is how it is.

The free Chapter 13 calculator considers your zip code to help you estimate what the Chapter 13 attorney fee will be.

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