Debt Relief Path

How much does it cost to file bankruptcy?

The court fee is fixed nationwide. Attorney fees are the bigger and more variable cost, and there are ways to make both manageable.

By the Debt Relief Path Editorial Team · Updated November 9, 2026

Court filing fees

Chapter 7$338 ($245 filing fee, $78 administrative fee, $15 trustee surcharge)
Chapter 13$313 ($235 filing fee, $78 administrative fee)

U.S. bankruptcy court fee schedule in effect since December 1, 2023. Fees are the same in every state.

Can I get the fee waived?

In Chapter 7, the court can waive the filing fee if your household income is below 150% of the federal poverty guidelines and you can't pay in installments. Both Chapter 7 and Chapter 13 filers can ask to pay the court fee in installments.

Attorney fees

Attorney fees vary widely by state, city and how complicated your case is. Chapter 7 fees are usually paid in full before filing. Chapter 13 cases cost more because they last three to five years, but much of the fee is usually paid through the repayment plan, so less is due up front. Many bankruptcy attorneys offer a free first consultation and will quote a flat fee in writing.

Required courses

You must complete credit counseling from an approved provider within 180 days before filing, and a debtor education course before your debts are discharged. Providers are approved by the U.S. Trustee Program, and fees are usually modest. Approved providers must offer reduced or waived fees if you can't afford them.

Other possible costs

  • A credit report, if your attorney doesn't pull one
  • Fees to amend your filing if something changes
  • Time off work for the meeting of creditors, usually one short hearing

Can I file without a lawyer?

Yes, but it's risky, especially for Chapter 13. Mistakes can get a case dismissed or put property at risk. If cost is the barrier, ask about payment plans, legal aid or your local bar association's referral service.

We can connect you with a bankruptcy attorney licensed in your state. Many offer a free consultation. Chapter 7 vs. Chapter 13 · Our attorney network

Questions people ask

Is Chapter 7 or Chapter 13 cheaper?

Chapter 7 usually costs less in total. Chapter 13 has higher attorney fees but more of them can be paid through the plan over time.

Can I pay a bankruptcy attorney in installments?

Many attorneys offer payment plans, especially for Chapter 13. Ask at your consultation.

Do court fees vary by state?

No. The federal bankruptcy court fees are the same in every district.

General information, not legal, tax or financial advice. Debt Relief Path is a free referral service, not a lender, law firm or debt settlement company. Disclosures.

Keep reading