How much does bankruptcy cost?

Filing fees are $338 for Chapter 7 and $313 for Chapter 13. Attorney fees typically range from $1,000 to $3,500 depending on the chapter and complexity. Fee waivers and installment payments are available for those who qualify.

Can I file bankruptcy if I can't afford an attorney?

Yes. You can file pro se (without an attorney), apply for a fee waiver to eliminate the filing fee, or pay the filing fee in installments. Some legal aid organizations also provide free bankruptcy assistance.

Are there hidden fees in bankruptcy?

The main costs are the filing fee, attorney fee, and credit counseling courses (about $20-50 total). Some attorneys charge extra for adversary proceedings or plan modifications, so ask for a complete fee breakdown upfront.

What is the cheapest way to file bankruptcy?

The cheapest option is filing pro se with a fee waiver, which costs nothing. If you hire an attorney, Chapter 7 is generally less expensive than Chapter 13. Always compare quotes from multiple attorneys.

Can I pay bankruptcy attorney fees in installments?

Most bankruptcy attorneys accept payment plans. In Chapter 13, attorney fees can even be paid through your repayment plan. In Chapter 7, many attorneys require full payment before filing, but installment arrangements are common.

How to File Bankruptcy -- Southern District of New York

Free guide to filing bankruptcy in the Southern District of New York (NYSB). Federal bankruptcy courts vary significantly by district -- local judge practices, trustee behavior, and attorney quality all affect outcomes.

The Southern District of New York is one of the busiest bankruptcy districts in the country.

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How Much Does Bankruptcy Cost?