How Much Does Chapter 7 Bankruptcy Cost?
If you're struggling with debt, the idea of paying to file bankruptcy can feel frustrating. But for many people, the cost of Chapter 7 bankruptcy is far less than continuing to make minimum payments, facing lawsuits, or dealing with wage garnishments.
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Here's a clear, step-by-step breakdown of what Chapter 7 bankruptcy costs in 2025, and how to afford it — even when money is tight.
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Total Cost to File Chapter 7 Bankruptcy in 2025
Cost Type Typical Price Range
Court Filing Fee $338 (nationwide standard)
Credit Counseling $10–$50
Attorney Fees $1,500–$2,500+
Total Estimated Cost $1,350–$2,900
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1. Chapter 7 Bankruptcy Filing Fee: $338
This is a mandatory federal court fee you must pay when filing a Chapter 7 petition.
Can the filing fee be waived?
Yes — you may qualify for a fee waiver if:
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Your household income is below 150% of the federal poverty line
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You’re unable to pay the fee in installments
Your bankruptcy attorney can file a fee waiver request on your behalf.
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2. Credit Counseling & Debtor Education Courses: $20–$100 Total
To complete a Chapter 7 case, you must take two court-approved courses:
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Credit Counseling Course (before filing)
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Debtor Education Course (after filing)
Both courses are affordable and often available online. Some providers offer discounts based on income or offer the courses as a bundle.
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3. Chapter 7 Attorney Fees: $2,000–$3,000+
Attorney fees are the biggest variable in the cost of Chapter 7 bankruptcy. These are one-time, flat fees in most cases, paid before filing (as required by law).
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Factors that affect attorney fees:
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Your location – Urban areas tend to have higher fees
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Case complexity – More assets, income, or creditors may raise the price
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Emergency filings – Same-day or last-minute cases may cost more
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Experience of the attorney – Highly experienced lawyers may charge premium rates
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Is it worth hiring a bankruptcy attorney?
Absolutely. Chapter 7 law is technical, and small mistakes can lead to:
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Case dismissal
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Loss of assets
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Denial of discharge
Most people who file with an attorney have a much higher success rate and less stress throughout the process.
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How to Pay for Chapter 7 Bankruptcy
Many people ask: “If I’m broke, how can I afford to file bankruptcy?”
Here are some practical options:
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Use your tax refund – This is one of the most common ways clients pay.
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Stop paying unsecured creditors – Once you decide to file, stop paying credit cards and use those funds to cover filing costs.
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Payment plans – Mosakowski Law allows payment plans that fit into your budget
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Borrow from family/friends – This is allowed as long as you disclose it in your paperwork.
Note: You cannot pay your attorney after filing a Chapter 7 case — fees must be paid in full beforehand due to bankruptcy law restrictions.
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Are There Hidden Costs in Chapter 7 Bankruptcy?
A trustworthy attorney will be upfront about all fees. However, here are a few things to watch out for:
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Document request fees (like tax transcripts or bank statements)
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Extra fees for reaffirmation agreements (if you want to keep a car loan)
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Additional charges for amendments or court appearances
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Is Filing Chapter 7 Worth the Cost?
In most cases, yes. Here’s why:
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Wipes out tens of thousands of dollars in debt
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Stops wage garnishments and lawsuits
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Ends creditor harassment
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Gives you a fresh financial start
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Lets you rebuild your credit
Compared to the cost of staying in debt — interest, late fees, collection costs — Chapter 7 is often the most affordable long-term solution.
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Get a Free Quote From a Local Bankruptcy Attorney
At Mosakowski Law, we offer:
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$0 Down, flat-fee pricing
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Affordable payment plans
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Compassionate, experienced legal guidance
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A proven record of successful Chapter 7 filings in Florida
We’ll review your case for free and help you decide if Chapter 7 is right for you — no pressure, no obligation.
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Call now at 813-296-2968
Or Schedule Your Free Consultation Online »
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Serving Tampa Bay, and All of Florida
Trusted Chapter 7 Bankruptcy Attorneys Who Put People First
Don’t let debt control your life. Get real answers and real help — starting today.
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