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What Does It Cost to File Bankruptcy in 2026?

If you’re thinking about filing bankruptcy in 2026, one of the first questions you likely have is:


How much does bankruptcy cost?


Short answer:

  • Chapter 7: typically $2,500 to $4,000 total

  • Chapter 13: typically $4,000 to $6,000+ total

The exact cost depends on your situation, the complexity of your case, and whether you hire an attorney.



Bankruptcy Costs in 2026 (Quick Breakdown)


What are the required bankruptcy filing fees?


Bankruptcy filing fees are set by federal law and are the same nationwide:

These fees are mandatory unless you qualify for a waiver or payment plan.


What are typical attorney fees?

Attorney fees vary based on complexity and location, but most people can expect:


Chapter 7 Attorney Fees

  • Typically $2,500 to $4,000

  • Usually must be paid before filing

Chapter 13 Attorney Fees

  • Typically $4,000 to $6,000+

  • Often paid through your repayment plan over time

Attorney fees are usually the largest cost—but also the most important investment in your case.


What costs should you expect when filing for bankruptcy?

In addition to filing and attorney fees, most cases include:

  • Credit counseling course: $20–$50

  • Debtor education course: $20–$50

  • Credit report fees: $0–$50

  • Miscellaneous costs (copies, postage, etc.)

These smaller costs are required but relatively minimal compared to legal fees. (US Bankruptcy)

Chapter 7 vs. Chapter 13 Cost Differences


Chapter 7 Bankruptcy (Lower Cost Option)

Chapter 7 is typically the fastest and least expensive option.

Best for:

  • Credit card debt

  • Medical bills

  • Personal loans

Typical total cost:

  • ~$2,500 to $4,000

Key advantage:
You eliminate most unsecured debts quickly.


Chapter 13 Bankruptcy (Higher Cost, Payment Plan)

Chapter 13 allows you to restructure debt into a 3–5 year repayment plan.

Best for:

  • Stopping foreclosure

  • Catching up on mortgage payments

  • Keeping valuable assets

Typical total cost:

  • ~$4,000 to $6,000+

Key advantage:
You can spread legal fees over time instead of paying everything upfront.


Can You File Bankruptcy for Free?


When are bankruptcy fees waived?

You may qualify for a Chapter 7 filing fee waiver if:

  • Your income is below 150% of the federal poverty level

  • You cannot afford installment payments

If you don’t qualify for a waiver, the court may allow you to pay the filing fee in installments.


Is filing for bankruptcy without an attorney cheaper?


Technically, yes—but it can be risky.

Filing bankruptcy on your own (called pro se) may save money upfront, but mistakes can lead to:

  • Case dismissal

  • Loss of property

  • Delays or added costs

For most people, working with an experienced attorney helps avoid costly errors.


Is Bankruptcy Worth the Cost?

For many individuals, the answer is yes.

Bankruptcy can:

  • Eliminate overwhelming debt

  • Stop collection calls and lawsuits

  • Prevent foreclosure or repossession

  • Provide a financial reset

While the upfront cost may seem high, the long-term financial relief often outweighs it.


How to Afford Bankruptcy

If cost is holding you back, consider:

  • Payment plans (common for Chapter 7 before filing)

  • Chapter 13 (spread costs over time)

  • Using tax refunds strategically

  • Temporarily pausing unsecured debt payments (with legal guidance)

Frequently Asked Questions


How much does Chapter 7 bankruptcy cost in 2026?

Most people pay $2,500 to $4,000 total, including court and attorney fees.


How much does Chapter 13 bankruptcy cost?

Most cases cost $4,000 to $6,000+, often paid over time through a repayment plan.


Can I file bankruptcy with no money?

Possibly. You may qualify for a fee waiver or installment plan for Chapter 7.


Do I have to pay attorney fees upfront?

  • Chapter 7: usually yes

  • Chapter 13: often no (fees can be included in your plan)

Bottom Line

Bankruptcy in 2026 typically costs:

  • Chapter 7: ~$2,500–$4,000

  • Chapter 13: ~$4,000–$6,000+

The right option depends on your financial situation and goals.


Get a Personalized Cost Estimate


Every case is different. The best way to understand your exact cost—and your options—is to speak with an experienced bankruptcy attorney.


A consultation can help you:

  • Choose the right chapter

  • Protect your assets

  • Get a clear, customized cost estimate


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