Itemized Breakdown
Chapter 7 -- Every Expense
All fees paid before filing. Filing fee waivable for low income (Form 103B).
Ways to Reduce Cost
- Fee waiver: Form 103B -- waive the $338 filing fee
- Legal aid: Free representation for qualifying filers
- Pro se: Under $400 total. See prosedebtors.org
- Shop around: Get quotes from 3+ attorneys
Attorney fees for Chapter 7 vary widely by region. In rural areas and smaller markets, fees may be as low as $800-$1,200. In major metropolitan areas, $2,000-$2,500 is common. Some attorneys offer payment plans, allowing you to pay the fee over 2-3 months before filing. Unlike Chapter 13, all Chapter 7 fees must be paid before the case is filed -- attorneys cannot be paid through the bankruptcy estate.
If your income is below 150% of the federal poverty guidelines, you may qualify for a complete fee waiver using Form 103B. The court can also allow you to pay the filing fee in up to four installments over 120 days. For those who qualify, legal aid organizations provide free bankruptcy representation -- contact your local Legal Services Corporation office or visit bankruptcyfreshstart.org for resources. Compare with Chapter 13 costs to understand the total financial picture.
Last updated: March 2026. Not legal advice.
Part of the Bankruptcy Transparency Network