Fees, itemized

How Much Does Bankruptcy Cost?

Every figure sourced and dated. Updated 2026-09-01.

Chapter 7: $338 filing fee plus attorney fees of $1,000 to $2,500, paid before filing. Chapter 13: $313 filing plus $3,000 to $5,000, usually paid through the plan itself, which is what makes 13 reachable for people who cannot write a check today.

The aftercost

Chapter 7 marks your credit for 10 years. Back to Bankruptcy or compare chapters in Chapter 7 vs 13.

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Sources for every figure on this page

$338: U.S. courts via Upsolve 2026: Chapter 7 filing fee (published estimate, retrieved 2026-09-01).
$313: U.S. courts via Upsolve 2026: Chapter 13 filing fee (published estimate, retrieved 2026-09-01).
$1,000 to $2,500: Nolo 2026: typical Chapter 7 attorney fee, paid before filing (published estimate, retrieved 2026-09-01).
$3,000 to $5,000: Nolo 2026: typical Chapter 13 attorney fee, usually paid through the plan (published estimate, retrieved 2026-09-01).
10 years: Experian 2026: Chapter 7 duration on a credit report (published estimate, retrieved 2026-09-01).