The cost to file bankruptcy generally ranges from about $400 to over $3,000, depending on several factors including the type of bankruptcy, complexity of the case, and whether you hire an attorney. Key costs involved:

• Court filing fees:
  • Chapter 7 bankruptcy filing fee is $338 (may be waived or paid in installments for eligible filers).
  • Chapter 13 bankruptcy filing fee is $313.
• Credit counseling courses: Usually $10 to $50 per course, required before filing and before discharge.
• Attorney fees: This is often the largest expense. For Chapter 7, attorney fees typically range from around $995 to $2,500 depending on location and case complexity. For Chapter 13, attorney fees can be higher, often between $3,000 and $6,000 or more.
• Miscellaneous fees: Such as printing or travel, may also apply.

If you file without an attorney, total costs might be as low as $400 to $500, covering court fees and counseling. Hiring an attorney increases costs but is recommended for most cases to navigate the process correctly. You may be able to pay court fees in installments or request a fee waiver if your income is below 150% of the poverty line, but fee waivers are generally only available for Chapter 7 cases. Summary by bankruptcy type:

Cost Component| Chapter 7| Chapter 13
---|---|---
Court Filing Fee| $338 (may be waived or paid in installments)| $313
Credit Counseling| $10–$50 per course| $10–$50 per course
Attorney Fees| $995–$2,500 (varies by location and case)| $3,000–$6,000+
Total Estimated Cost| $400–$3,000+| $3,000–$6,000+

Filing bankruptcy can provide relief from unsecured debts like credit cards and medical bills but does not discharge child support, alimony, or most tax debts