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Updated April 2026

How Much Does Chapter 13
Bankruptcy Cost?

Chapter 13 costs more than Chapter 7 upfront and over time. The attorney fees are higher, the trustee takes a cut, and if your case fails - which happens roughly half the time - you may lose everything you paid. Here is the full picture.

Chapter 13 Total Cost

$3,300 - $5,400+
Attorney fees paid through 3-5 year plan
Filing fee $313 | Trustee takes 3-10%
~50-60% discharge rate

Complete Itemized Cost Breakdown

Chapter 13 - Every Required Expense

Court filing fee$313
Attorney fees (national range)$2,500 - $5,000
Pre-filing credit counseling (required)$15 - $50
Post-filing debtor education (required)$15 - $50
Trustee commission (3-10% of plan payments)$900 - $3,000+
Total Direct Cost$3,743 - $8,100+

Critical distinction: The numbers above are the cost of the bankruptcy itself - separate from your plan payments to creditors. Your total monthly payment covers attorney fees + trustee commission + creditor distributions, all bundled into one check to the trustee.

Court Filing Fee: $313

The Chapter 13 filing fee is $313 in all federal bankruptcy courts. Unlike Chapter 7, the Chapter 13 filing fee cannot be waived. However, you can request to pay it in up to four installments over 120 days by filing Form 103A with your petition.

No fee waiver for Chapter 13. The fee waiver provision in 28 U.S.C. section 1930(f) applies only to Chapter 7. If you cannot afford the $313 filing fee, the installment option is your only alternative.

Attorney Fees: $2,500 - $5,000

Chapter 13 attorney fees are significantly higher than Chapter 7 because the case lasts 3-5 years and requires ongoing management: plan modifications, motions for relief, trustee objections, and annual tax return reviews.

Average Chapter 13 Attorney Fees by Region

Region / MarketTypical Fee RangeNo-Look Fee
Rural / small town$2,500 - $3,500$3,000 - $3,500
Mid-size metro$3,000 - $4,000$3,500 - $4,000
Large metro$3,500 - $5,000$4,000 - $4,500
Major metro (NYC, LA, SF)$4,000 - $6,000+$4,500 - $5,500

What Is a "No-Look" Fee?

Many bankruptcy courts set a no-look fee - a presumptive reasonable amount that attorneys can charge without filing a detailed fee application. If the attorney charges at or below the no-look fee, the court approves it automatically. If they charge more, they must justify the excess with itemized time records.

No-look fees typically range from $3,000 to $5,000 depending on the district. Ask your attorney what the local no-look fee is and whether they charge it.

How Attorney Fees Are Paid in Chapter 13

This is the key advantage of Chapter 13 for people who cannot afford to pay an attorney upfront:

  1. Small retainer at signing - typically $0 to $500 (some attorneys charge nothing upfront)
  2. Remaining balance through the plan - the attorney's fee is included in your monthly plan payment to the trustee
  3. Trustee distributes to attorney - the attorney is paid as a priority administrative claim over 3-5 years
  4. Attorney is paid even if case fails - if your case is dismissed, the attorney keeps fees already received through the plan

The dismissal risk. Approximately 40-50% of Chapter 13 cases are dismissed before completion nationally. If yours is dismissed, you will have paid attorney fees and plan payments for months or years with no discharge. The attorney keeps what they received. This is the single largest hidden cost of Chapter 13.

Chapter 13 Trustee Fee: 3-10% of Plan Payments

The Chapter 13 trustee is a court-appointed official who receives your monthly payment, takes a commission, and distributes the remainder to your creditors and attorney. The trustee's commission is authorized by 28 U.S.C. section 586(e) and is typically 3-10% of all payments made under the plan.

Trustee Fee Examples

Monthly PaymentPlan LengthTotal PaymentsTrustee Fee (7%)
$300/month3 years$10,800$756
$500/month5 years$30,000$2,100
$800/month5 years$48,000$3,360
$1,200/month5 years$72,000$5,040

The trustee fee is not paid separately - it is included in your plan payment. But it means less of each payment goes to your creditors, which can extend the time needed to complete the plan or reduce the total amount creditors receive.

"No Money Down" Chapter 13 - What It Really Means

Many bankruptcy attorneys advertise "no money down" or "$0 down" Chapter 13 filings. Here is what that actually means:

What You Pay Before FilingWhat You Pay Through the Plan
Credit counseling: $15-$50Attorney fees: $2,500-$5,000
Filing fee: $313 (or installments)Trustee commission: 3-10%
Retainer: $0-$500Creditor payments (your debts)

"No money down" means the attorney does not require their full fee before filing. You still owe the filing fee and credit counseling cost. The attorney's fee is then paid through the plan - but this is not free money. It comes out of the same monthly payment that would otherwise go to creditors.

Why "no money down" can be a warning sign. Some high-volume bankruptcy firms use $0-down advertising to attract large numbers of clients, then provide minimal individual attention. The correlation between aggressive $0-down marketing and high dismissal rates is well-documented in bankruptcy research.

Why Chapter 13 Costs More Than Chapter 7

  • Longer case duration: Chapter 7 takes 3-4 months. Chapter 13 lasts 3-5 years. Your attorney manages the case the entire time.
  • Plan drafting and modification: The attorney must draft a repayment plan, negotiate with creditors, and file modifications when your income or expenses change.
  • Ongoing court involvement: Motions, trustee objections, confirmation hearings, and annual reviews add legal work.
  • Trustee commission: Chapter 7 trustees only receive compensation if they liquidate assets. Chapter 13 trustees take a commission on every payment.
  • Higher failure rate: The 40-50% dismissal rate means many people pay thousands in attorney fees and plan payments without receiving a discharge.

The Real Cost of Chapter 13 Failure

This is the cost nobody talks about. Consider a scenario where a Chapter 13 case is dismissed after 2 years:

Cost of a Failed Chapter 13 (2 Years Before Dismissal)

Filing fee$313
Credit counseling courses$60
Attorney fees received through plan~$2,000
Plan payments (24 months x $500)$12,000
Trustee commission (7%)$840
Total Spent~$15,213

After spending over $15,000, you have no discharge. Your remaining debts are still owed. Creditors can resume collection. And if you want to try again, you start over with new filing fees and attorney costs.

Chapter 13 vs. Chapter 7 Cost Comparison

FactorChapter 7Chapter 13
Filing fee$338$313
Attorney fees$1,000 - $2,500$2,500 - $5,000
When attorney is paidBefore filingThrough plan (3-5 years)
Trustee fee$0 (unless assets)3-10% of all payments
Fee waiver availableYes (Form 103B)No
Time to discharge3-4 months3-5 years
Discharge rate93%+~50-60%

See our complete Chapter 7 cost breakdown. Use chapter7vs13.org to compare which chapter is right for your situation.

When Chapter 13 Is Worth the Extra Cost

Despite the higher cost and lower completion rate, Chapter 13 is the right choice in several situations:

  • Saving your home: Chapter 13 can cure mortgage arrears over the plan period, stopping foreclosure
  • Income too high for Chapter 7: If you fail the means test, Chapter 13 may be your only option
  • Prior Chapter 7 within 8 years: You cannot receive a Chapter 7 discharge if you received one in the last 8 years (11 U.S.C. section 727(a)(8))
  • Non-exempt assets: Chapter 13 lets you keep property that a Chapter 7 trustee would liquidate
  • Co-debtor protection: The Chapter 13 co-debtor stay (11 U.S.C. section 1301) protects co-signers on consumer debts
  • Car loan cramdown: If you have owned your vehicle for more than 910 days, you may be able to reduce the loan balance to the vehicle's current value

Frequently Asked Questions

How much does Chapter 13 bankruptcy cost in 2026?
Total direct costs range from $3,300 to $5,400+ including the $313 filing fee, $2,500-$5,000 in attorney fees, $30-$100 for required courses, and the trustee's 3-10% commission on all plan payments. Most costs are paid through the 3-5 year plan.
Can I file Chapter 13 with no money down?
Many attorneys offer $0-down Chapter 13 filings where their fee is paid through the plan. You still need $15-$50 for credit counseling and $313 for the filing fee (which can be paid in installments). Be cautious of high-volume firms that use aggressive $0-down advertising - their dismissal rates are often higher.
What happens if my Chapter 13 is dismissed?
You lose most of what you paid. The attorney keeps disbursed fees, the trustee keeps their commission, and payments already distributed to creditors are not returned. Roughly 40-50% of Chapter 13 cases are dismissed nationally. Your remaining debts are still owed.
Can the Chapter 13 filing fee be waived?
No. Unlike Chapter 7, the Chapter 13 filing fee cannot be waived. It can only be paid in up to four installments over 120 days. File Form 103A to request the installment option.
What is the Chapter 13 trustee fee?
The Chapter 13 trustee takes a commission of 3-10% of all payments made under your plan (authorized by 28 U.S.C. section 586(e)). On a $500/month plan over 5 years, that is roughly $1,050-$3,000 in trustee fees. It is built into your payment - not charged separately.

Last updated: April 2026. Discharge rates derived from FJC national data covering 4.9 million cases across 94 federal districts. Not legal advice.

Cited in Federal Rules Suggestions 26-BK-3 and 26-BK-5

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