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Bankruptcy Law Blog

Monday, March 23, 2020

How Much Does It Cost To File For Bankruptcy?

Filing for bankruptcy isn’t free. This surprises a lot of people who assume that the government wouldn’t nickel and dime people who are already under financial stress. How much it costs depends on the type of bankruptcy you are filing and how complex your case is.

The good news is, our firm offers FREE initial consultations to people in the Mobile area who are considering filing for bankruptcy. After learning more about your specific circumstances, we can help you figure out what kind of bankruptcy is right for you, and estimate how much filing for bankruptcy will cost. You can contact us today to schedule one of these meetings.

The Fees Everyone Pays

Under federal law, anyone who wants to file for bankruptcy has to go through credit counseling not more than 180 days before they file. The would-be filer works with a credit counselor to put together a list of all income, assets, and debts. The counselor then crafts a budget and advises the debtor whether or not it is possible to get out of debt in a reasonable amount of time without filing for bankruptcy.

The credit counselor can charge a reasonable fee for their services, which usually ranges from $10 to $25.

Click on the following link to see the list of Bankruptcy Administrator approved credit counselors in Southern Alabama. Only providers on this list should be used, or you will have to take a second class.

Our firm can help you select a counselor, and you may even do your counseling session in our firm’s office in Mobile if that would be helpful. There are also counselors that will allow you to complete your class from your home. You should choose a counseling provider that works best for you.

Chapter 13

If you choose to file for bankruptcy under Chapter 13 of the bankruptcy code, there are NO attorney or filing fees due upfront. The court filing fee and the attorney fees are included in your court-supervised monthly repayment plan.

Chapter 7

Since filing for bankruptcy under Chapter 7 means most of your debts will be wiped away right away, you are required to pay your court filing fee upfront. Currently, that fee is $335.

Our firm also charges our fee up front so when the case is done you walk away with a blank slate, not a new bill to pay. Our fee varies based on how complicated your case is. We can estimate your fee during the free initial consultation meeting so you will know how much you might owe us before you commit to working with us. We do accept partial payments in certain circumstances.

Contact Us Today To Schedule An Initial Consultation

Don’t let worries about how much it is going to cost to file for bankruptcy keep you from filing. Meeting with a member of our experienced team can help you figure out exactly how much it is going to cost, and which type of bankruptcy is right for you. Contact us today to schedule a free initial consultation where we can go over these important details with you.


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Padgett and Robertson assist clients with Bankruptcy, Personal Bankruptcy, Consumer Bankruptcy, Chapter 7 Bankruptcy, Chapter 13 Bankruptcy and The New Bankruptcy Law in Mobile, Alabama and throughout southern Alabama. Alabama State Bar Association Regulations require the following: "No representation is made that the quality of the legal services to be performed is greater than the quality of legal services performed by other lawyers." 11 U.S.C. 528 of the U.S. Bankruptcy Code requires the following: "We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.”



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4317 Downtowner Loop N., Mobile, AL 36609
| Phone: 251-342-0264

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Alabama State Bar Association Regulations require the following: "No representation is made that the quality of the legal services to be performed is greater than the quality of legal services performed by other lawyers." 11 U.S.C. 528 of the U.S. Bankruptcy Code requires the following: "We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.”