How Much Does a Bankruptcy Lawyer Cost?

Filing for bankruptcy can be a major financial decision, and one of the first questions most people ask is — how much does a bankruptcy lawyer cost? The cost can vary widely depending on the type of bankruptcy you file, your location, and the complexity of your financial situation. Understanding these costs can help you plan better and avoid surprises during an already stressful time.

Average Cost of a Bankruptcy Lawyer in the U.S.

On average, the cost of hiring a bankruptcy lawyer in the U.S. ranges from $1,000 to $4,000. The total fee depends largely on whether you’re filing under Chapter 7 or Chapter 13 of the U.S. Bankruptcy Code.

Here’s a general estimate:

• Chapter 7 Bankruptcy: $1,000 – $2,000
• Chapter 13 Bankruptcy: $2,500 – $4,500

Chapter 7 cases usually cost less because they are quicker and involve liquidating non-exempt assets. Chapter 13 cases, on the other hand, involve setting up a repayment plan over three to five years, making them more complex and time-consuming.

Factors That Affect the Cost

Several factors can influence how much you’ll pay for a bankruptcy lawyer:

1. Type of Bankruptcy – Chapter 13 filings are more expensive due to their complexity and longer duration.
2. Case Complexity – If your case involves business debts, large assets, or disputes with creditors, fees will likely be higher.
3. Location – Lawyers in big cities (like New York or Los Angeles) tend to charge more than those in smaller towns or rural areas.
4. Attorney Experience – A seasoned bankruptcy attorney may charge higher fees but can often achieve faster, smoother results.
5. Additional Legal Work – Services like stopping wage garnishments, handling creditor lawsuits, or filing motions may add to the overall cost.

Flat Fee vs. Hourly Rate

Most bankruptcy lawyers charge a flat fee, especially for Chapter 7 cases. This fee typically includes the cost of preparing and filing your petition, attending hearings, and managing basic paperwork.

For Chapter 13 bankruptcies, some attorneys may charge a combination of flat and hourly fees, as these cases can last several years. Hourly rates generally range between $200 and $400 per hour.

Additional Costs

Besides attorney fees, there are other expenses you should budget for:

• Court Filing Fee: $338 for Chapter 7 and $313 for Chapter 13 (as of 2025).
• Credit Counseling & Debtor Education Courses: $20 – $100 total.
• Miscellaneous Administrative Fees: Document copies, postage, or notary services.

Can You Pay in Installments?

Yes. Many bankruptcy lawyers understand that clients are already struggling financially, so they often allow payment plans. However, most Chapter 7 attorneys require full payment before filing because once your case is filed, your debts (including attorney fees) are part of the bankruptcy estate.

Why Hiring a Bankruptcy Lawyer Is Worth It

Filing bankruptcy involves strict deadlines and detailed paperwork. Errors can lead to case dismissal or loss of protection from creditors. A qualified bankruptcy lawyer ensures all forms are filed correctly, attends hearings on your behalf, and helps you protect your assets under federal and state exemption laws.

Final Thoughts

The cost of a bankruptcy lawyer usually ranges from $1,000 to $4,000, depending on your case type and complexity. While this might seem expensive, professional guidance can save you from costly mistakes and provide peace of mind during a difficult time.

If you’re facing overwhelming debt, consulting an experienced bankruptcy attorney is one of the best steps toward getting a clean financial start.