How Much Does It Cost to File Chapter 7 Bankruptcy?

 

If you’re considering filing for Chapter 7 bankruptcy, one of your first questions is likely: How much does it cost? Understanding the total cost to file Chapter 7 bankruptcy can help you plan ahead and avoid surprises.

Court Filing Fee for Chapter 7 Bankruptcy

As of now, the Chapter 7 bankruptcy filing fee with the U.S. Bankruptcy Court is $338. This fee is required before your case can be filed. Some filers may qualify for a bankruptcy filing fee waiver or a payment plan through the court, but fee waivers are rarely approved when you’re using a bankruptcy attorney.

Attorney Fees for Chapter 7 Bankruptcy

In addition to the court filing fee, you’ll need to pay bankruptcy attorney fees. These vary depending on several factors, including:

• The complexity of your financial situation
• The number of creditors
• Whether you’re facing lawsuits, wage garnishment, or foreclosure
• The region where you live

Most Chapter 7 bankruptcy attorneys offer payment plans to help you afford their services. These legal fees are separate from the court fee and are typically required in full before the case is filed.

Why You Should Consult a Bankruptcy Attorney

Although it’s possible to file bankruptcy without a lawyer (called “pro se” filing), working with an experienced bankruptcy attorney greatly increases your chances of a smooth and successful discharge. They can guide you through the process, make sure all paperwork is accurate, and help protect your assets.

Bottom Line: Total Chapter 7 Bankruptcy Cost

The total cost to file Chapter 7 bankruptcy generally includes:

• $338 court filing fee
• Attorney fees, which often range from $1,000 to $2,000+, depending on the case

If you’re struggling with credit card debt, medical bills, or personal loans, Chapter 7 bankruptcy may offer the fresh start you need.

📞 Next Step: Schedule a Free Consultation

Speak with a local bankruptcy attorney to get a clear estimate based on your individual case. Many offer free initial consultations and flexible payment options.