One of the biggest questions people have when considering bankruptcy is:
“How much does it cost to file — and can I just do it myself?”
If you’re already struggling financially, the idea of paying to file bankruptcy can feel overwhelming. Let’s break it down clearly and honestly.
💰 How Much Does It Cost to File Bankruptcy?
There are two main types of personal bankruptcy: Chapter 7 and Chapter 13. The costs differ depending on which chapter you file.
📌 Chapter 7 (Liquidation Bankruptcy)
Typical costs include:
- Court filing fee: $338 (set by federal law)
- Credit counseling & debtor education courses: Usually $20–$50 each
- Attorney fees: Often range from $1,500–$3,500 depending on complexity and location
Chapter 7 attorney fees are typically paid before filing, because once the case is filed, unpaid legal fees become dischargeable debt.
📌 Chapter 13 (Repayment Plan)
Typical costs include:
- Court filing fee: $313
- Credit counseling & debtor education courses: $20–$50 each
- Attorney fees: Often range from $3,000–$6,000 (sometimes more in complex cases)
In Chapter 13, a portion of the attorney’s fees can usually be paid through the repayment plan over 3–5 years, making it more manageable upfront.
🤔 Why Is There Such a Range in Attorney Fees?
Bankruptcy is not one-size-fits-all.
Fees depend on:
- Number of creditors
- Whether you own a home
- Business ownership
- Prior bankruptcies
- Lawsuits or garnishments
- Tax issues
- Student loans
- Asset protection planning
A simple case costs less than a complicated one.
🧾 Can I File Bankruptcy Without an Attorney?
Yes — you are legally allowed to file on your own. This is called filing “pro se.”
But here’s what you should know:
Bankruptcy is federal court litigation.
You are signing documents under penalty of perjury.
Mistakes can have serious consequences.
Common problems in self-filed cases include:
- Losing property that could have been protected
- Failing the means test
- Incorrect exemptions
- Dismissed cases
- Denied discharges
- Trustee objections
- Refiling bars
Bankruptcy law is extremely technical. A small error in paperwork can create major issues.
⚖️ Is It Worth Hiring an Attorney?
For most people, yes.
Here’s why:
1️⃣ Asset Protection
A good bankruptcy attorney ensures you keep everything you are legally entitled to protect.
2️⃣ Proper Planning
Timing matters. Filing too early or too late can change the outcome.
3️⃣ Stopping Lawsuits & Garnishments
An attorney ensures the automatic stay is properly invoked and enforced.
4️⃣ Avoiding Costly Mistakes
Fixing a dismissed or botched bankruptcy can cost far more than hiring counsel from the start.
5️⃣ Peace of Mind
You are not navigating federal court alone.
💡 Is Bankruptcy “Too Expensive” If I’m Broke?
It may feel ironic to pay money when you don’t have money. But consider this:
If bankruptcy eliminates:
- $20,000
- $50,000
- $100,000+
in debt…
The filing cost is often a fraction of what you’re eliminating.
Most attorneys offer:
- Payment plans (especially for Chapter 7 before filing)
- Free consultations
- Transparent fee structures
🚩 When Hiring an Attorney Is Especially Important
You should strongly consider hiring an attorney if:
- You own a home
- You have retirement accounts
- You transferred assets in the last few years
- You have business income
- You have tax debt
- You’ve been sued
- You’re facing foreclosure or repossession
These situations require strategy.
📌 The Bottom Line
Bankruptcy is an investment in a financial reset.
While it is legally possible to file without an attorney, most people benefit greatly from professional guidance — especially when protecting assets and ensuring a smooth discharge.
The real question isn’t:
“How much does bankruptcy cost?”
It’s:
“How much is staying stuck costing me?”
If you’re considering filing, a consultation can help you understand:
- Which chapter fits your situation
- Total estimated costs
- Payment options
- Whether bankruptcy is even necessary
Clarity is free. And it’s often the first step toward real relief.
