The Cost of Bankruptcy

The cost of filing bankruptcy can include the court filing fee, required credit-counseling and financial-management courses, attorney fees, and other case-specific expenses. The total depends on the bankruptcy chapter, the complexity of the case, the court district, and the work required.

Your initial consultation with Brock & Stout is free. We can review your situation, explain Chapter 7 and Chapter 13, and give you clear information about the fees that would apply if you decide to hire us. The consultation does not obligate you to file.

How Much Does Bankruptcy Cost in Alabama and Georgia?

Court filing fees are set under the federal bankruptcy fee schedule. Attorney fees are separate and depend on the case, the chapter, the services required, and applicable court procedures.

Bankruptcy Filing Fees

Generally, the bankruptcy court requires payment of a filing fee when a petition is filed. Chapter 7 and Chapter 13 amounts are set by the courts and change. Confirm the current schedule on the U.S. Courts bankruptcy miscellaneous fee schedule. Some districts allow installment payment of the filing fee. We will quote the amount in effect when you meet with us rather than reprint a figure that can go stale.

Credit Counseling Fees

Before filing, an individual debtor generally must complete credit counseling through an approved provider. Provider fees vary, and approved agencies may offer reduced fees or waivers based on ability to pay. We can explain the required course and how to locate an approved provider.

Attorney Fees

Chapter 7

Chapter 7 attorney fees depend on the circumstances and complexity of the case. Factors can include the types of debt involved, property and exemption issues, secured loans, prior bankruptcy filings, business interests, anticipated creditor disputes, and other work the case may require.

During your free consultation, we can explain the fee for the representation we would provide in your specific case.

Chapter 13

Chapter 13 attorney fees are subject to disclosure and court review under federal bankruptcy law and applicable local procedures. Some bankruptcy courts publish procedures that allow certain fees to be approved without a detailed itemized fee application when specified requirements are met. Those procedures and amounts can change and do not necessarily establish the fee that every attorney must charge in every case.

Brock & Stout will explain the attorney fee that applies to your case during the free consultation, including how the fee is expected to be paid through the Chapter 13 process.

Brock & Stout Can Help

During your free consultation, we’ll review your financial situation, explain the Chapter 7 and Chapter 13 options that may be available, and give you clear information about attorney fees, court costs, required courses, and the next steps if you decide to proceed.

Call (800) 884-9600 or request a free bankruptcy consultation online.