How much does it cost to file bankruptcy?

That depends on which Chapter you file, and also on how complicated your case is. As a consumer, you will likely file either a Chapter 7 or a Chapter 13. The filing fee for a Chapter 7 is currently $299.00 and Chapter 13 is $274.00 The filing fee goes to the Clerk of the court. Your attorney will charge a fee for his or her services in the bankruptcy proceeding. The range of fees charged is almost as varied as the complexity of cases. Fees can be as high as $3300.00 in a Chapter 13 for basic legal services, without requiring special orders from the court.

Generally, a Chapter 7 proceeding will be somewhat simpler and therefore usually less expensive than a Chapter 13. However, even a Chapter 7 proceeding can be complex if there are very many creditors, liens to be expunged or certain other complications. After a comprehensive consultation with an attorney, he or she should be able to give you an approximate amount for representation.

Recently, fees for a Chapter 7 personal bankruptcy are between $800 and $4000, not including the filing fees. On the lower end, some attorneys that compete on price alone and sacrifice personal attention to your situation send your case to be "processed" by someone in a third world country. The result can be mistakes and delays, sometimes serious ones. Filing for bankruptcy is stressful and scary enough already. Be careful out there. If it sounds too good to be true, it usually is.

Call us at 1-877-261-2217. Your Fresh Start Planning Session will give you the answers you need. You won't know unless you ask. All you need to do is ask.

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