How Much Does It Cost to File Bankruptcy? A 2025 Breakdown

How Much Does It Cost to File Bankruptcy in 2025?

How much does it cost to file bankruptcy is one of the first questions people ask when they consider taking this legal step. In 2025, the total cost varies depending on the chapter you file under, your location, and whether you hire an attorney. While bankruptcy can offer a fresh financial start, it’s important to understand the full scope of fees involved.

In this guide, we’ll break down filing fees, attorney costs, counseling charges, and more, so you can make informed decisions about your financial future.

Filing Fees for Chapter 7 vs. Chapter 13 Bankruptcy

Bankruptcy filing fees are set by the federal court system and are required to begin your case. These fees differ depending on whether you file for Chapter 7 or Chapter 13.

Chapter 7 Bankruptcy Filing Fee

As of 2025, the standard Chapter 7 bankruptcy filing fee is $338. This includes the $245 case filing fee, $78 administrative fee, and $15 trustee surcharge. These fees are paid to the court when your petition is filed.

Chapter 7 is often the more affordable route for people with little to no income, as it allows for the discharge of qualifying debts without a repayment plan.

Chapter 13 Bankruptcy Filing Fee

For Chapter 13 bankruptcy, the total filing fee is $313, slightly lower than Chapter 7. It includes a $235 case filing fee and a $78 administrative fee. However, this chapter requires a multi-year repayment plan, which means higher attorney fees and more court involvement over time.

While the court costs are similar, the total expenses of Chapter 13 are typically greater due to the complexity of the process.

Are Filing Fees Refundable?

Filing fees are not refundable, even if your case is dismissed. However, you may be able to pay in installments or apply for a fee waiver if you meet certain income thresholds. The bankruptcy court evaluates your financial situation to determine eligibility.

To learn more about the Chapter 7 process, visit this guide to filing Chapter 7 bankruptcy.

Attorney Fees and Legal Costs to Expect

Most people who file for bankruptcy hire a lawyer to handle the process. This helps reduce mistakes and ensures that forms are submitted properly and on time.

Average Attorney Fees for Chapter 7

Attorney fees for Chapter 7 bankruptcy in 2025 typically range from $1,000 to $1,800, depending on where you live and the complexity of your case. Attorneys often charge a flat fee for Chapter 7 filings, which makes the cost more predictable.

While it may seem expensive upfront, hiring a bankruptcy attorney can actually save you money in the long run by avoiding dismissed cases or delayed discharges.

Chapter 13 Attorney Fees Are Higher

Attorney fees for Chapter 13 tend to be much higher, usually ranging from $2,500 to $5,000 or more. This is because Chapter 13 involves creating a repayment plan that lasts three to five years. Your attorney must represent you in ongoing hearings and ensure that payments comply with court requirements.

Some courts have “no-look” fee guidelines, which are standard fee amounts presumed to be reasonable. These can provide clarity if you’re unsure what to expect.

Flat Fees vs. Hourly Rates

Most bankruptcy lawyers work on a flat-fee basis, especially for Chapter 7. However, more complex cases, like Chapter 13 or Chapter 11, may involve hourly billing or additional charges for services beyond the basic filing.

Make sure your attorney provides a written fee agreement that includes what’s covered—and what’s not.

For more insights on the Chapter 13 process, visit how to file Chapter 13 bankruptcy.

Other Costs Involved in Filing Bankruptcy

Beyond court filing fees and attorney charges, bankruptcy includes a variety of additional mandatory costs. These can vary by state and case complexity but are important to consider when budgeting for your filing.

Credit Counseling and Debtor Education Courses

To file bankruptcy, you must complete two required educational courses:

Credit counseling (completed before filing)
Debtor education (completed after filing but before discharge)

Each course typically costs $20 to $50, and must be approved by the U.S. Department of Justice. Some providers offer discounts or sliding scales based on income. These fees are usually non-waivable, though certain nonprofit agencies may provide them for free.

Document Preparation and Mailing Costs

If you’re hiring a document preparation service (especially if filing without a lawyer), expect to pay $100 to $300. While not legally required, these services help ensure your forms are complete and formatted correctly.

You’ll also need to print, mail, or deliver copies of your bankruptcy petition to creditors, the trustee, and the court. While this might seem minor, mailing costs can add up if you have dozens of creditors.

Refiling Costs After a Dismissal

If your case is dismissed due to an error, failure to appear, or missing paperwork, you may have to pay the filing fee again when resubmitting your case. These repeat costs can quickly inflate your total expense, especially if you’re not working with an attorney.

Understanding these costs can help you avoid surprises along the way. You can also browse through the Bankruptcy FAQ to see common mistakes and how to avoid them.

How to Pay for Bankruptcy When You’re Already in Debt

It might seem counterintuitive, but you often need money to go bankrupt. Thankfully, there are several practical ways to cover the cost of filing, even when your finances are tight.

Use Tax Refunds or Stimulus Funds

Many individuals use their tax refund to pay bankruptcy fees. If you’re expecting one, consider holding off on filing until you receive it. This allows you to pay upfront costs without going deeper into debt.

In some cases, stimulus checks or government relief funds may also be used. Be cautious, however, about how and when you spend that money, especially if you’re under court scrutiny.

Pay in Installments

Federal bankruptcy courts allow you to pay filing fees in up to four installments, provided you request permission when filing your petition. This can make costs more manageable if you don’t have the full fee upfront.

Make sure to follow all payment deadlines, as failing to pay in time could result in case dismissal.

Pro Bono and Legal Aid Services

If you have very low income, you may qualify for free legal help through:

Legal aid organizations
Law school clinics
Pro bono attorneys

These services are typically offered to those at or below the poverty level and can significantly reduce your bankruptcy expenses.

To explore potential help in your area, visit the state-specific attorney page to find legal aid programs or nonprofit attorneys.

Should You Borrow Money to File Bankruptcy?

While it’s not ideal, some people borrow money from friends or family to cover the cost of bankruptcy. If you choose this route, avoid repaying those debts before filing, as it could be seen as a preferential payment and flagged by the bankruptcy trustee.

How to Lower the Cost of Filing Bankruptcy

If you’re concerned about affordability, there are strategic ways to reduce your bankruptcy costs without sacrificing quality or putting your case at risk.

Find Low-Cost or Free Legal Help

Some bankruptcy attorneys offer low-cost options or payment plans. You can also find attorneys who participate in legal aid panels, offering services at a discount or no charge to those who qualify.

Search your county bar association or visit nonprofit legal directories to find participating attorneys.

Work With Legal Aid Societies

Nonprofit organizations and legal aid societies often help individuals through the filing process, especially those who can’t afford private attorneys. Some may handle your case entirely, while others guide you through self-filing.

Make sure any legal aid group you work with is approved by the U.S. Department of Justice for credit counseling and education.

Consider Alternatives to Full-Service Attorneys

If you can’t afford a full-service lawyer, consider:

Bankruptcy petition preparers (less costly but cannot give legal advice)
Unbundled legal services (limited-scope assistance)
Self-filing (pro se) if your case is straightforward and you’re confident with forms

However, remember that mistakes in paperwork or missed deadlines can lead to case dismissal. If possible, try to work with a professional for peace of mind.

For resources or help finding professionals near you, check the Bankruptcy Attorneys homepage or the Free Evaluation page.

What Are the Risks of Filing Without a Lawyer?

For individuals trying to minimize costs, filing for bankruptcy without a lawyer—also known as pro se filing—can seem appealing. But while it might save money in the short term, going it alone can lead to serious problems.

When Self-Filing Might Save Money

If your case is extremely simple, such as:

You have no assets
You’re filing Chapter 7, not Chapter 13
You have no disputes with creditors
Your income clearly qualifies for bankruptcy

Then filing without an attorney might be feasible. In some districts, self-help centers and online tools can help guide you through the process. These may reduce legal costs significantly if you feel confident navigating court documents and deadlines.

However, even in straightforward situations, filing solo comes with substantial risk.

Common Mistakes Made by Pro Se Filers

Without a bankruptcy lawyer, you’re fully responsible for preparing, filing, and managing your case. Here are some of the most common mistakes made by pro se filers:

Incomplete paperwork: Failing to submit all required schedules or forms can delay your case or result in dismissal.
Missing deadlines: Bankruptcy court imposes strict timelines. If you miss a deadline, your case may be closed.
Incorrect exemptions: You may lose property unnecessarily if you don’t correctly apply state or federal bankruptcy exemptions.
Failing the means test: If you miscalculate your income, you may be ruled ineligible for Chapter 7.
Not attending the 341 meeting: Missing this mandatory hearing (creditors’ meeting) will derail your case.

Courts do not provide leniency for self-filers. You are held to the same legal standards and deadlines as licensed attorneys.

If you’re unsure whether you need help, consider requesting a free evaluation from a qualified bankruptcy attorney.

The Cost of Dismissal or Denied Discharge

A dismissed bankruptcy case can mean:

Loss of your filing fee
Delay in creditor relief
Continued wage garnishment
Ineligibility to refile for months or years

Worse, if you file improperly and your discharge is denied, your debts remain, and your bankruptcy opportunity may be gone.

Given the high stakes, it’s worth exploring low-cost legal aid options, even if you’re trying to avoid traditional attorney fees. Visit your state-specific bankruptcy resource to find local help.

Can the Cost of Bankruptcy Be Worth It?

Many people ask not just “how much does it cost to file bankruptcy” but whether the cost is worth it. For most filers, the answer is yes—if the process is handled correctly.

Comparing Costs to Debt Discharged

Let’s say you spend $2,000 total to file for Chapter 7 bankruptcy. That may sound like a lot—until you consider what you could discharge:

$20,000 in credit card debt
$10,000 in personal loans
$5,000 in medical bills

In this case, a $2,000 investment wipes out $35,000 in debt. The return on relief far exceeds the upfront cost. Even for Chapter 13 filers who repay some portion of debt, the interest savings and structured payment plan often make it worthwhile.

Bankruptcy Helps Rebuild Financial Stability

Bankruptcy can also help you regain control over your finances in several important ways:

Stops creditor harassment
Halts wage garnishments
Prevents foreclosure or repossession
Provides time to catch up on missed payments

With a bankruptcy discharge, you start fresh, with fewer debts and a clear plan to rebuild your credit. Many people see credit score improvement within 12–24 months after filing.

If you’re wondering whether bankruptcy is your best path forward, take the time to explore your legal options through credible legal platforms.

When Bankruptcy Is Not Worth the Cost

There are scenarios when bankruptcy may not be worth it:

You have minimal debt that can be repaid in a few months
Your debts are non-dischargeable (e.g., student loans, recent taxes)
You’re expecting a large inheritance or settlement soon
Your assets are valuable and unprotected by exemptions

In these cases, the cost of filing may exceed the benefit, especially if you’re not eligible for full discharge. An attorney can help you assess whether bankruptcy is the right move.

To discuss your situation and compare options, visit Legal Brand Marketing’s exclusive bankruptcy leads page or get matched with an attorney for a personalized consultation.

Bankruptcy Costs by State – Do They Vary?

While federal courts set the base filing fees for Chapter 7 and Chapter 13 bankruptcy, the total cost to file bankruptcy can vary significantly by state. These differences are primarily due to variations in attorney fees, local court procedures, and the cost of living.

Attorney Fees Depend on Local Market Rates

Attorney fees are not fixed by the federal government. Instead, they are influenced by:

State and city economic conditions
Typical case complexity in your region
Local competition among bankruptcy lawyers

For example, attorney fees in high-cost-of-living states like California or New York may run higher, sometimes exceeding $2,000 for Chapter 7, while fees in rural or lower-income regions may be significantly lower.

Some jurisdictions have adopted “presumptively reasonable” attorney fees (also called “no-look” fees), which standardize what an attorney can charge for Chapter 13 without needing court approval. These fees can range from $2,500 to over $5,000, depending on your state.

To get the most accurate estimate, you should consult a local bankruptcy attorney or request a free case evaluation to receive personalized guidance.

Local Requirements May Affect Total Costs

Some states or court districts impose additional requirements that can impact your overall expenses:

Mandatory in-person credit counseling providers
State-specific bankruptcy exemptions (which affect asset protection strategy)
Court-mandated pre-filing meetings or additional documentation

You may also need to travel to a specific courthouse for your 341 meeting, which could add transportation or time-off-work costs if you’re located far from your court district.

For more details on filing in your state, browse the state-by-state bankruptcy guide to get relevant local information and connect with an attorney near you.

State Law May Influence Filing Strategy

Although bankruptcy is a federal process, state laws affect which assets you can keep. Some states allow you to choose between federal and state exemption rules, while others mandate state-only exemptions. This can influence:

Whether you lose or retain your car or home
The best chapter to file under
Whether filing is even your best option

An attorney familiar with your state’s laws can explain how exemptions apply and which chapter of bankruptcy offers the most protection for your situation.

Understanding the True Cost of Filing Bankruptcy in 2025

How much does it cost to file bankruptcy isn’t just a question of court fees or attorney charges—it’s about understanding the full picture. In 2025, the cost of bankruptcy includes not only filing and legal fees, but also required courses, administrative costs, and the emotional weight of navigating the process.

Yet for many, this cost is a gateway to relief. Bankruptcy can discharge overwhelming debts, stop collection calls, and create a clear path toward financial recovery. The key is knowing what to expect, what you can afford, and how to find the right help.

With the right support and a clear plan, filing bankruptcy can be one of the most financially responsible decisions you’ll ever make.

Get a Free Evaluation to Learn How Much It Costs to File Bankruptcy

If you’re ready to understand how much it costs to file bankruptcy based on your specific situation, don’t guess—get answers. A free evaluation from a qualified bankruptcy attorney can help you:

Estimate your total costs based on your location and case type
Compare Chapter 7 and Chapter 13 options
Explore payment plans or fee waivers
Find out whether you qualify for legal aid or reduced-cost services

Take the first step today. Start your free evaluation or contact us to be connected with a local bankruptcy attorney.

Whether you’re exploring bankruptcy due to credit card debt, wage garnishment, or missed mortgage payments, professional help is just a click away.

Frequently Asked Questions (FAQs)

1. What is the cheapest way to file bankruptcy?

The cheapest way to file is Chapter 7 without an attorney (pro se), but this comes with high risk. Filing fees alone cost around $338, and you’ll still need to pay for required courses. Consider working with a legal aid organization if you qualify for low-income assistance.

Free or low-cost legal clinics
Pro bono bankruptcy attorneys
Legal aid societies in your area

You can also use your tax refund or request an installment plan to help cover the cost. Start by requesting a free case evaluation.

Key Takeaways

Bankruptcy filing fees in 2025 range from $313 to $338, depending on the chapter.
Attorney fees are typically higher for Chapter 13 due to case complexity and duration.
Additional costs include credit counseling, education courses, and administrative expenses.
Payment plans, legal aid, and fee waivers can help make filing more affordable.
Filing with professional guidance reduces the risk of dismissal and helps you maximize debt relief.

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