Thinking about bankruptcy but worried about the cost? Here are the top questions we hear — answered clearly.

1️⃣ How much does it cost to file bankruptcy?

It depends on the chapter and complexity.

✔ Chapter 7: Filing fee + attorney fees (usually paid before filing)
✔ Chapter 13: Filing fee + attorney fees (often paid through the repayment plan)

Every case is different.

2️⃣ Why do I have to pay before filing Chapter 7?

Because once you file, unpaid attorney fees can be discharged.
Attorneys can’t legally work for free on discharged debt.

3️⃣ Can I make payments before filing?

Yes. Many firms offer pre-filing payment plans.
Your case is filed once the agreed fee is paid.

4️⃣ Can I use a credit card to pay?

Usually not if the card will be included in your bankruptcy.
It can create fraud issues and make that charge non-dischargeable.

5️⃣ Can I borrow money from family?

Yes — but it must be disclosed.
Do not repay family before filing without legal advice.

6️⃣ What is a bifurcated fee agreement?

It splits attorney fees into:

✔ A small amount before filing
✔ Payments after filing

Not all courts allow it, and total cost may be higher.

7️⃣ Is Chapter 13 cheaper upfront?

Often yes.
A portion of attorney fees can be paid through your 3–5 year plan.

8️⃣ Can I file without an attorney to save money?

You can — but mistakes can cost far more than attorney fees.

Bankruptcy is federal court litigation, not just paperwork.

9️⃣ Why does bankruptcy feel expensive if I’m already broke?

Because it’s a legal reset — and proper filing protects:

✔ Your assets
✔ Your discharge
✔ Your future

🔟 Is bankruptcy worth the cost?

If it eliminates tens of thousands of dollars in debt and gives you a fresh start — for many people, yes.

💡 The most important thing:
There are usually more payment options than people realize.

If cost is stopping you, have a conversation before assuming you can’t file.