Question 1

How much does bankruptcy cost?

Accepted Answer

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.

Question 2

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

Accepted Answer

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.

Question 3

Are there hidden fees in bankruptcy?

Accepted Answer

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.

Question 4

What is the cheapest way to file bankruptcy?

Accepted Answer

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.

Question 5

Can I pay bankruptcy attorney fees in installments?

Accepted Answer

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 by State