bankruptcy terms
How Much to File Bankruptcy? Fees & What to Expect
How Much to File Bankruptcy: Understand the Costs First If you’re struggling with debt, one of your first questions might
June 10, 2025
How Much to File Bankruptcy? Fees & What to Expect
How Much to File Bankruptcy: Understand the Costs First
If you’re struggling with debt, one of your first questions might be how much to file bankruptcy. While bankruptcy can offer a fresh start, it’s important to understand the associated costs so you can prepare accordingly.
This guide breaks down the key fees, cost differences between Chapter 7 and Chapter 13, and tips for minimizing your expenses when filing for bankruptcy.
Bankruptcy Filing Fees and Cost Breakdown
Standard Bankruptcy Filing Fees
Here’s how much to file bankruptcy for the two most common types:
- Chapter 7 Filing Fee: $338
- Chapter 13 Filing Fee: $313
These are court fees paid directly to the bankruptcy court. They are mandatory, regardless of whether you hire an attorney or file on your own.
Additional Costs to Consider
Besides the filing fee, you may encounter these other expenses:
- Credit counseling course: ~$10–$50
- Debtor education course: ~$10–$50
- Bankruptcy attorney fees: Typically $1,000–$2,500 for Chapter 7; $3,000–$5,000+ for Chapter 13
- Miscellaneous costs: Printing forms, postage, and transportation for court appointments
If you’re wondering how much to file bankruptcy pro se (without a lawyer), you’ll likely still need to budget at least $350–$500 for required courses and documents.
How to Reduce or Waive Bankruptcy Costs
Qualifying for a Fee Waiver
You may qualify for a filing fee waiver if:
- Your income is below 150% of the federal poverty line
- You can’t pay the fee in installments
- You submit Form 103B: Application to Have the Chapter 7 Filing Fee Waived
Requesting a Payment Plan
If you can’t afford to pay the full fee up front, the court may allow you to make payments in installments. Use Form 103A to request a payment plan.
Using Free or Low-Cost Legal Help
If you’re concerned about how much to file bankruptcy with legal guidance, consider reaching out to:
- Local legal aid offices
- Pro bono bankruptcy clinics
- Free Evaluations through BankruptcyAttorneys.net
These resources can help reduce the legal costs significantly.
How Much to File Bankruptcy: Key Considerations Before You File
Filing Without a Lawyer
Many people want to know how much to file bankruptcy without an attorney. While it can save money, the risk of filing incorrectly is high. Mistakes can result in:
- Case dismissal
- Loss of property
- Failure to discharge your debts
If you’re unsure, it’s worth exploring affordable legal help via NextLegal’s Bankruptcy Resources or Legal Brand Marketing.
What to Know About Bankruptcy Costs and Planning Ahead
Before filing, always consider:
- Your total debt load vs. the cost of filing
- Whether you’re eligible for Chapter 7 or 13
- If you qualify for reduced fees or payment assistance
Carefully evaluating how much to file bankruptcy could save you from unnecessary financial stress and make the process smoother.
Get Help Understanding How Much to File Bankruptcy
If you’re unsure how much it costs to file bankruptcy—or whether you can afford the process—professional guidance can make all the difference. A brief consultation with a knowledgeable bankruptcy attorney can help you understand your options, costs, and the best path forward.
BankruptcyAttorneys.net, part of the Legal Brand Marketing network, connects individuals with trusted legal professionals who offer affordable, flexible bankruptcy services. Whether you need full representation or just a little help getting started, the right support is just a click away.
Contact us today to explore your options and get the help you need to move forward with confidence. Our resources like BankruptcyAttorneys.net offer free evaluations
Frequently Asked Questions (FAQs)
1. Can you file bankruptcy for free?
If you qualify for a fee waiver, you may be able to file Chapter 7 without paying the court filing fee.
2. How much does Chapter 13 bankruptcy cost with a lawyer?
Attorney fees typically range from $3,000 to $5,000 and may be included in your repayment plan.
3. What’s the cheapest way to file bankruptcy?
Filing Chapter 7 without a lawyer is the least expensive, but only recommended if your case is simple and you feel confident in legal paperwork.
4. Are credit counseling and debtor education courses required?
Yes. Both are required and usually cost around $10–$50 each.
5. Can I pay the bankruptcy filing fee in installments?
Yes, courts often allow installment payments. You’ll need to request this when you file your petition.
Key Takeaways
- Filing fees are $338 for Chapter 7 and $313 for Chapter 13
- Additional costs include courses, legal help, and court documents
- You may qualify for a waiver or payment plan if you have limited income
- Filing without a lawyer can reduce cost but increase risk
Start Your Free Bankruptcy Evaluation