What Does It Cost to File Bankruptcy?
Your total cost to file Chapter 7 or Chapter 13 bankruptcy with my office depends on the complexity of your facts and whether you file Chapter 7 or Chapter 13. I will discuss your case with you and set my fee when we meet. The great news is that you may be able to pay my fee AFTER your case is filed. Call/text me or email me to set up your initial consultation with me in my Decatur office. You will leave my office understanding the fee structure.
There are two other components to the total cost: the court filing fees, the pre-filing counseling fee/credit report fee.
Chapter 7 debtors pay the court $306 in fees. For most Chapter 7 clients, this is total of the ‘up front’ cost. Attorney fees and other costs can be paid after filing.
Chapter 13 debtors pay the court $281 in fees. For most Chapter 13 clients, a portion of the court filing fee is paid ‘up front,’ and the balance is paid after filing.
Pre-filing counseling / Credit reports
The bankruptcy court mandates that debtors undergo pre-filing counseling. My vendor charges $15 for each of these course. Clients pay $40 towards the fee I pay to obtain credit reports at filing.