There are three separate fees associated with the typical bankruptcy filing: (1) attorney’s fees, (2) court filing fees, and (3) credit counseling fees. Each of these is explained below.
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Bankruptcy Attorney’s Fees
Your Chapter 7 and Chapter 13 attorney’s fees will depend on the complexity of your case.
CHAPTER 7 Attorney’s Fees:
Chapter 7 attorney’s fees typically range from $1000.00 – $2500.00.
Attorney’s fees for a single filer Chapter 7 including standard services: $1300.00.
Attorney’s fees for a joint filer Chapter 7 including standard services: $1600.00.
If your case requires additional services (not included in the standard services), your fees will be slightly higher.
CHAPTER 13 Attorney’s Fees:
Chapter 13 Attorney’s fees range from $4000.00 – $5000.00
A portion of the fees are due prior to filing.
The remaining fees can be paid through your Chapter 13 repayment plan.
Your plan payment calculation must allow you to pay attorney’s fees through the plan. If this is not possible, all fees are paid prior to case filing.
Our office offers Clients the option of paying their Attorney’s fees over time. Most Clients pay their pre-filing fees in three installments.
Chapter 7 fees must be paid in full before the case can be filed. This is a function of the bankruptcy code, which treats your attorney as a creditor.
Chapter 13 filers have the option of paying some of their fees through their bankruptcy payment plan (when disposable income permits.)
Even though we offer payment plans, you might need to pay fees immediately if you have an emergency bankruptcy filing.
Bankruptcy Court Filing Fees
NOTE: court filing fees are separate from / in addition to Attorney’s fees.
Court filing fees are $335.00 for Chapter 7 and $310.00 for a Chapter 13.
You may qualify for a waiver of court filing fees if you are unemployed or have very low income.
Bankruptcy Credit Counseling and Debt Education Classes
Bankruptcy filers must take a credit counseling class before the case can be filed. Once you take the class, the certificate of completion is good for 180 days.
After your bankruptcy is filed, you must complete a second course, called a debtor education course.
If you can allow 3-5 business days to receive your certificate of completion, the course will cost as little as $15.00. If you need an emergency certificate, the course will cost $25.00 – $35.00, depending on which provider you use. We can help you find the lowest-cost provider.
Most people prefer to complete the courses online, but you can also complete the courses over the phone or in person.