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State Bankruptcy Costs

How Much Does It Cost to File for Bankruptcy?

Tips for keeping bankruptcy costs down, from court filing fees to mandatory counseling costs to getting legal help.
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Updated: 2020-07-16
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In 2021, it costs $338 to file for Chapter 7 bankruptcy and $313 for Chapter 13, unless you get a fee waiver from the court. But additional costs can mount up, too. You may also have to pay for:

  • advice and information to help you decide whether to file
  • mandatory credit counseling before you file
  • preparing your forms for filing and making the required number of copies
  • other court procedures that may be required or beneficial, and
  • mandatory debt-management class after bankruptcy.

Your total cost will depend on:

  • whether you qualify for fee waivers
  • whether you qualify for free legal aid services (if they are available where you live)
  • whether you handle the form preparation and filing yourself or pay someone to help you, and
  • how complicated your financial situation is

For an overview of costs and tips on keeping them down, select your state from the list on this page.

You may also be interested in:

  • How Chapter 13 Bankruptcy Works

    You can use Chapter 13 bankruptcy to get out from under the burden of your debts, protect important property, and stop bill collectors.

  • Where to File for Bankruptcy

    Most people file for bankruptcy in the federal district court closest to where they've lived for the past six months.

  • Ten Ways a Bankruptcy Lawyer Can Help You

    Here are ten ways that a bankruptcy lawyer can help guide you through the bankruptcy process to make sure you take maximum advantage of what the law offers debtors.

Automatically apply your county expense standards and state income standards to your means test calculation.

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