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How Much Does It Cost to File for Bankruptcy?

Published January 7, 2021 by Sasser Law Firm
How Much Does It Cost to File Bankruptcy?

If you are held down by debt and considering filing for bankruptcy, you will likely want to know how much it will cost to hire a bankruptcy attorney and pay for the process. 

Sasser Law Firm understands that money will almost certainly be tight for those considering filing for bankruptcy. We are committed to fairness and transparency in our fee structure and how we operate.

Bankruptcy Filing Fees & Court Costs

Individuals filing for bankruptcy are required to pay a filing fee, which is the cost of filing your case in court. The three most commonly used sections of bankruptcy law are Chapter 7, Chapter 13, and Chapter 11, all of which have different associated costs. 

Courts also require that individuals filing for bankruptcy take a credit counseling and financial management class, which also requires a fee. 

Chapter 7

Bankruptcy court filing fee: $338

Mandatory credit counseling course and financial management fee: $37

Chapter 13

Filing fee paid prior to filing of case: $0

Mandatory credit counseling fee prior to filing: $0

Bankruptcy court filing fee (paid through Chapter 13 trustee): $313

Mandatory credit counseling fee (paid through Chapter 13 trustee): $25

If you are filing under Chapter 13 bankruptcy, we will advance the filing fee and credit counseling fee so that you are able to file a petition without paying anything upfront. Learn more about our Chapter 13 payment plan here.

Chapter 11 

Bankruptcy court filing fee: $1,738

Mandatory credit counseling fee (if debtor is an individual): $25

Quarterly fees paid to bankruptcy court: Starts at $325

Average North Carolina Bankruptcy Attorney Fees

The cost of hiring a bankruptcy attorney in North Carolina will depend on your income and the bankruptcy chapter under which you are filing. The following are the average attorney’s fees for Chapter 7, Chapter 13, and Chapter 11 bankruptcy in North Carolina:

Chapter 7

Attorney fee for those making less than median income level: $1,228

Attorney fee for those making more than median income level: $1,928

Chapter 13

Attorney fee prior to filing of case: $0

Attorney fee (paid through Chapter 13 Trustee): $6,500

Chapter 11

Attorney fee: $10,000 – $25,000

It Costs Nothing to Talk to Our Bankruptcy Lawyers Now

We understand that filing for bankruptcy may seem complicated and confusing. We are prepared to answer all of your questions and walk you through the process, step by step. At Sasser Law, we have three board-certified bankruptcy attorneys who have taken on more than 7,000 cases on behalf of North Carolina individuals and businesses who were struggling to pay off debt.

We are passionate about helping our clients get a fresh start, no matter what. We take on the toughest cases and will fight appeals if necessary. We also take cases on an emergency basis, such as if you’re facing foreclosure or car repossession. At Sasser Law, one of our board-certified attorneys will handle your case. It won’t be passed off to a paralegal.

With over 25 years of practicing entirely in bankruptcy law, we know that most people who file for bankruptcy are hardworking people making middle incomes who suddenly face a difficult situation. Whether it’s a job loss, divorce, health issues, or business problems, we understand how stressful this time can be.

We are passionate about helping our clients get a fresh start and get back on their feet.  Let us help. Call us today or contact us online for a free and confidential consultation.

Associations & Awards

  • 2019 Business North Carolina Legal Elite Badge
  • North Carolina Bar Association | Sasser Law Firm
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  • Attorney at Law Magazine, Local Authority Award
  • Martindale-Hubbell award for high professional achievement at Sasser Law Firm
  • NC Bar Association Legal Specialization | Sasser Law Firm
  • client champion logo
  • Top Bankruptcy Attorney | Sasser Law Firm
  • American Bankruptcy Institute | Sasser Law Firm
  • National Association of Consumer Bankruptcy Attorneys | Sasser Law Firm
  • American Board of Certification | Sasser Law Firm
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