How Much Does It Cost to File for Bankruptcy in 2025
Filing for bankruptcy in 2025 can be a lifeline for individuals and businesses overwhelmed by debt, but it’s crucial to understand the costs involved before taking this important step. Bankruptcy fees and expenses can vary widely based on the type of bankruptcy you file, your location, the complexity of your case, and whether you hire an attorney. This in-depth guide breaks down every aspect of bankruptcy costs in 2025, from court filing fees and attorney charges to credit counseling and miscellaneous expenses. We’ll also cover ways to reduce your costs, answer frequently asked questions, and help you connect with experienced bankruptcy attorneys.
- Get answers to your bankruptcy cost questions: Speak with an expert now or call 833-279-1850.
Bankruptcy Filing Fees in 2025
The first unavoidable cost of bankruptcy is the court filing fee. These fees are set by the federal government and are the same nationwide, though they can change periodically. As of 2025, the standard filing fees are:
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Chapter 7 Bankruptcy: $338
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Chapter 13 Bankruptcy: $313
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Chapter 11 Bankruptcy: $1,738 (primarily for businesses, but individuals can file)
These fees are paid directly to the bankruptcy court when you file your petition. In most cases, the fee must be paid in full at the time of filing, but if you can’t afford it, you may be able to pay in installments or request a waiver (more on this below).
Breakdown of Typical Filing Fees:
| Bankruptcy Chapter | Filing Fee | Administrative Fee | Trustee Surcharge | Total Cost |
|---|---|---|---|---|
| Chapter 7 | $338 | Included | $15 | $338 |
| Chapter 13 | $313 | Included | None | $313 |
| Chapter 11 | $1,738 | Included | None | $1,738 |
These fees are subject to change, so always confirm the current rates with your local bankruptcy court or attorney.
- Explore payment plans and fee waivers: See your options now or call 833-279-1850.
Attorney Fees: What to Expect
Attorney fees are typically the largest part of bankruptcy costs. The amount you pay depends on the type of bankruptcy, the complexity of your case, your location, and the attorney’s experience.
Average Attorney Fees in 2025:
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Chapter 7: $1,000 to $3,000 (national average is $1,500 to $2,500, but can be lower or higher depending on location and complexity).
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Chapter 13: $2,500 to $5,000 (these cases are more complex and involve a 3-5 year repayment plan).
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Chapter 11: $15,000 and up (business bankruptcies or complex individual cases; can reach six figures for large companies).
Attorney fees can vary dramatically based on your city or state. For example, in New York, Chapter 7 attorney fees typically range from $1,170 to $1,950, while in Kansas, they can be between $1,075 and $2,338. Urban areas and regions with higher costs of living generally have higher attorney fees.
How Are Attorney Fees Paid?
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Chapter 7: Usually a flat fee, paid in full before your case is filed.
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Chapter 13: Often a portion is paid upfront, with the remainder included in your repayment plan.
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Chapter 11: Typically billed hourly, with a large retainer required.
Attorneys are required to disclose their fees to the court and obtain approval, ensuring they are reasonable for the work performed.
Concerned about attorney fees? Get a free bankruptcy case review or call 833-279-1850 to compare rates and find affordable legal help.
Credit Counseling and Debtor Education Costs
Federal law requires all bankruptcy filers to complete two courses:
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Credit Counseling Course: Must be completed before filing.
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Debtor Education Course: Must be completed after filing but before discharge.
Each course typically costs between $0 and $50, depending on the provider. Many agencies offer sliding scales or fee waivers for low-income filers.
Other Potential Bankruptcy Expenses
While court and attorney fees are the largest expenses, you may encounter additional costs:
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Miscellaneous Court Fees: If you need to reopen your case or file additional motions, extra fees may apply (often $245–$338).
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Document Copying and Mailing: Minor costs for paperwork and communication.
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Appraisals: If you own significant assets (like a home or business), you may need to pay for appraisals.
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Credit Report Fees: Some attorneys charge for pulling your credit report, though many include this in their flat fee.
How Costs Vary by State and Zip Code
Attorney fees and some minor costs can vary significantly by location. For example, attorney fees in urban areas like New York City or Los Angeles are often higher than in rural areas. State-specific exemptions and local court procedures can also impact overall costs.
Example: Cost to File Bankruptcy by Location (2025)
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New York (ZIP 10001): Chapter 7 filing fee $338, attorney fees $1,170–$1,950.
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Kansas (ZIP 67202): Chapter 7 filing fee $338, attorney fees $1,075–$2,338.
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California (ZIP 90001): Chapter 7 filing fee $338, attorney fees $1,500–$2,000 (typical).
For the most accurate estimate, consult a local bankruptcy attorney or use an online calculator specific to your state or city.
Want to know the exact cost in your area? Start your free case review or call 833-279-1850 and enter your ZIP code to connect with a local expert.
Can You File for Bankruptcy With No Money?
Yes, it’s possible to file for bankruptcy with little or no money, especially if you qualify for fee waivers or use free legal resources.
Fee Waivers
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Chapter 7: If your household income is below 150% of the federal poverty line and you can’t pay the fee in installments, you may qualify for a full waiver of the $338 filing fee.
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Credit Counseling Waivers: Many providers offer free or reduced-cost courses for low-income filers.
Free or Low-Cost Legal Help
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Legal Aid: Nonprofit organizations and legal aid clinics may offer free or reduced-cost bankruptcy assistance.
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Pro Bono Attorneys: Some attorneys take on bankruptcy cases for free.
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Self-Representation: You can file without an attorney, but this is only recommended for simple cases.
Online tools like Upsolve can help eligible filers prepare and file Chapter 7 bankruptcy for free.
Need help filing for bankruptcy with limited funds? Connect with a bankruptcy attorney or call 833-279-1850 to learn about fee waivers and free resources.
Ways to Reduce or Waive Bankruptcy Costs
Here are practical strategies to lower your bankruptcy expenses:
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Shop Around: Compare attorney fees in your area. Many offer free consultations and payment plans.
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Apply for Fee Waivers: If you meet income requirements, request a waiver for court and counseling fees.
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Use Free Tools: Nonprofits like Upsolve offer free Chapter 7 filing tools for eligible individuals.
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Seek Legal Aid: Local legal aid organizations or bar associations may provide free or low-cost help.
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Payment Plans: Many attorneys allow you to pay fees in installments, especially for Chapter 13 cases.
Looking for affordable bankruptcy solutions? Get a free legal case review or call 833-279-1850 for options in your area.
FAQs About Bankruptcy Costs
Q: What is the cheapest way to file for bankruptcy?
A: The cheapest way is to file Chapter 7 without an attorney and qualify for fee waivers, but this is only recommended for very simple cases. Most filers benefit from at least a legal consultation.
Q: Can I pay bankruptcy fees in installments?
A: Yes, most courts allow you to pay the filing fee in up to four installments if you can’t pay the full amount upfront.
Q: Are attorney fees negotiable?
A: Sometimes. You can and should ask about payment plans, sliding scales, or reduced rates during your consultation.
Q: What if I can’t afford an attorney?
A: Seek help from legal aid, pro bono attorneys, or use free online tools for simple Chapter 7 cases.
Q: Does the cost differ by bankruptcy chapter?
A: Yes. Chapter 13 and Chapter 11 are more expensive due to their complexity and length of the process.
Q: Will filing for bankruptcy affect my spouse’s costs?
A: If you file jointly, fees may be slightly higher, but it’s usually cheaper than filing two separate cases.
Q: Are there hidden costs in bankruptcy?
A: Beyond filing and attorney fees, you may pay for credit reports, appraisals, or additional court motions, but these are usually minor compared to the main expenses.
Still have questions about bankruptcy costs? Speak with a bankruptcy expert or call 833-279-1850 for clear, personalized answers.
Planning for Bankruptcy Costs in 2025
Bankruptcy can provide a fresh start, but it’s important to be prepared for the costs involved. In 2025, filing fees for Chapter 7 and Chapter 13 remain relatively stable, but attorney fees can vary widely depending on your location and case complexity. Credit counseling and debtor education are required but affordable, and there are many ways to reduce or even eliminate some costs if you qualify for waivers or free legal help.
The best way to get an accurate estimate of your total bankruptcy costs is to consult with a local bankruptcy attorney. They can explain your options, help you apply for fee waivers, and guide you through the process to ensure the best possible outcome.
Ready to take the next step? Get your free bankruptcy case review now or call 833-279-1850 to connect with a trusted bankruptcy lawyer in your area.
Disclaimer: This article is for informational purposes only and does not constitute legal advice. For guidance tailored to your specific situation, consult a qualified bankruptcy attorney.
For more information and to connect with a bankruptcy attorney who can help you understand and minimize your bankruptcy costs, visit Legal Case Review or call 833-279-1850 today.
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