SAVING YOU HUNDREDS, EVEN THOUSANDS IN BANKRUPTCY LEGAL FEES

Low lawyer fees based on your situation

Pay $0 down in most cases

Make payments based on your ability to pay

Why Choose Atlanta Bankruptcy Attorney Jack Sisson When Considering Chapter 7 or 13 Bankruptcy?

At the Atlanta Low Cost Bankruptcy Center, Law Offices of Jack Sisson, you receive personal, direct service from Atlanta bankruptcy attorney Jack Sisson. You are not handed off to junior staff under the supervision of an attorney like large firms. We will personally help you through the complicated bankruptcy process.

Call Us Today to Schedule a FREE Bankruptcy Lawyer Phone Consultation  (434) 337-3371

First class

"Your firm has given me faith that there actually are some good people in the field of law. My experience with Rubin and Associates was first class. Thank you for treating me with such dignity, patience, and care.” - David

Find the low cost bankruptcy attorney near you and request a free initial consultation

During your free initial consultation, your low cost bankruptcy attorney will spend whatever time is necessary with you to analyze your unique case. He or she will provide immediate feedback and a preliminary estimate of how much you can expect to pay, including all required court costs.

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Collect your paperwork

A second meeting is scheduled to obtain your information and documents, though often this can be done via a secure online portal. From that information, your low cost bankruptcy attorney will prepare your petition for your review and signature. It usually takes just a few days to complete, but in emergencies your low cost bankruptcy attorney can often react in hours.

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Review and sign your petition

Once you have reviewed and signed your bankruptcy petition, your low cost bankruptcy attorney will file your case with the court and keep you informed throughout the process.

LowCostBankruptcyCenters.com is a public service site to help people in financial need save money when hiring a bankruptcy attorney in the United States. It is not an attorney referral service or law firm. Bankruptcy law firms associated with Low Cost Bankruptcy Centers of America are independently owned and operated and may pay to receive inquiries through the organization. LeadQ Group takes no responsibility for the actions of the attorneys on this site. The decision to hire an attorney is an important one and should be made with a complete understanding of the consequences of filing bankruptcy and choosing and retaining a lawyer.

The information contained in this web site is intended to convey general information. It should not be construed as legal advice or opinion. It is not an offer to represent you, nor is it intended to create an attorney-client relationship. Testimonials are from clients of law firms listed on this site; photos are not the actual clients and are for representation purposes only. Every case and client experience is unique and should not be construed to be an indication of your experience or a specific case outcome with any specific attorney.

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Low Cost Bankruptcy Blog

Total Cost to File Bankruptcy in the U.S.

Published by Low Cost Bankruptcy Centers of America

The total cost to file bankruptcy in the U.S. includes fees for court filing, required debtor education courses, legal assistance, and more. Here is the complete breakdown.

Court fees

As of November 2019, the total federal court filing fees to file a bankruptcy petition in all 50 states is $335 for Chapter 7 cases, and $310 to file Chapter 13. This includes the court filing fee, administrative fee, and trustee surcharge.

Fee exemptions

The filing fee is due to the court when you file your petition. However, you may ask the court if you can pay the fee in installments or that the court waive the fee. To qualify for a fee waiver, you must not be able to make installment payments and your income must be below 150% of the poverty line. Most people, even those filing bankruptcy, do not qualify for fees to be waived. This is especially true with Chapter 13 bankruptcy, as you must have enough income to fund a repayment plan for 3 to 5 years to qualify for Chapter 13.

Additionally required in the cost to file bankruptcy

The bankruptcy court will also require that you take a personal financial management course and debtor education course prior to the discharge of your case. If you file your case “pro se”, the court can provide you with a list of approved courses. Low Cost Bankruptcy Center attorneys can also provide a list of course providers.

Most approved credit counseling agencies charge about $25 to $50 to complete the financial management course. The debtor education course also usually costs from $10 to $50. However, the law says that agencies must provide the counseling without regard to your ability to pay. So, if you are unable to afford these costs, let the agency know.

To help determine all eligible creditors and balances that may be dismissed in your bankruptcy filing, you will also need a copy of your current credit report. Many low cost bankruptcy attorneys will include the fee for obtaining your credit report in their flat fee. Others may charge an additional cost of around $20.

Attorney fees

In addition to court fees, attorneys need to be included in the total cost to file bankruptcy. Most  bankruptcy attorneys participating with Low Cost Bankruptcy Centers of America will accept a partial payment of their fees prior to filing Chapter 13 bankruptcy cases, with the remainder of the fees included in the court-ordered repayment plan post-bankruptcy. The portion of the attorney fee you’ll pay upfront can range from $50 to $800, depending on the market and chosen attorney. While the complete attorney fee included in the final cost to file bankruptcy may total $2000 to $4000 for Chapter 13, payments for the balance of the fees are typically very low and affordable.

Low cost bankruptcy attorneys will also typically accept a reasonable down payment and affordable payments toward their attorney fee for Chapter 7 cases as well. The difference with Chapter 7 is that all attorney fees must be paid in full prior to filing your Chapter 7 bankruptcy case, according to federal court rules. This makes the total cost to file bankruptcy much lower for Chapter 7 cases.

With some Chapter 7s, you may be able to secure a low cost attorney for your case with as little as $0 down, though a number of low cost attorneys require a nominal down payment of $100-$300 to become your attorney of record (allowing you to refer all creditors to your attorney, thereby putting an end to any creditor harrassment you may be experiencing).

These fees are paid following your initial free consultation, and only if you decide to hire the attorney you consult with. You typically may make payments toward the attorney fees at your own pace, paying as much or as little as you can afford in each payment. Once your attorney fees have been paid in full, and you have enough to pay the required court filing fees, your attorney will file your case in court for you and begin the legal discharge of your debts.

In your initial free consultation, your low cost bankruptcy attorney will provide a complete breakdown of all fees required and the total cost to file bankruptcy for your individual circumstances.

Low Cost Bankruptcy Blog

Why Choose Kansas City Bankruptcy Attorney Bill Sisson When Considering Chapter 7 or 13 Bankruptcy?

At the Kansas City Low Cost Bankruptcy Center, Law Offices of Bill Sisson, you receive personal, direct service from Kansas City bankruptcy attorney Bill Sisson. You are not handed off to junior staff under the supervision of an attorney like large firms. We will personally help you through the complicated bankruptcy process.

Find the Low Cost Bankruptcy Centers of America bankruptcy attorney near you:

Shannon was an entirely different experience

"After working 55 years, the concept of bankruptcy was repugnant. Shannon was an entirely different experience, she operated on a higher level than the others. Her questions were direct and to the point, as were her answers to mine. The bankruptcy was discharged exactly the way Shannon predicted. Shannon can get you through it while maintaining your dignity and self-respect." - Former client

Made the entire bankruptcy process incredibly smooth

"Shannon is highly experienced and made the entire bankruptcy process incredibly smooth, knowing exactly what documentation we needed to provide while anticipating (and helping us to avoid) any pitfalls. She has continued to support us with advice as we relocated due to my husband's job transfer. You will not regret working with Shannon!" - Current client

There for me every step of the way

"Shannon was such a blessing during such a dark time in my life. She explained the whole process and was there for me every step of the way. I am sure I wouldn't have had such a great experience had I worked with anyone else." - Former client

Call Us to Schedule a FREE Bankruptcy Lawyer Phone Consultation:

(434) 337-3371

Or, during non-business hours, request an appointment via email and we'll contact you:

Chapter 7 and Chapter 13 Charlottesville Bankruptcy Attorney Shannon T. Morgan

Shannon represents individuals in consumer bankruptcy and bankruptcy-related matters throughout the Commonwealth of Virginia and undertakes a limited number of cases on behalf of creditors in consumer bankruptcy cases. 

Prior to her relocation in 2012 to Virginia and subsequent admission to practice in Virginia in 2013, Shannon practiced law in both Alaska and Colorado. While enjoying a wide variety of legal experience over the years, from civil litigation to criminal defense, domestic relations, personal injury, and administrative law, bankruptcy is the common thread to her practice over the years and has become the passion of her legal career. She has successfully helped hundreds of clients navigate the bankruptcy process. 

Shannon, her husband, Scott, and their three children relocated to Virginia upon Scott’s retirement from the United States Air Force. They are happy to call Virginia home.

My goal is to provide quality legal services at reasonable prices.

Every case is important to me and each client is treated accordingly. As a sole practitioner, I am able to offer personalized service that is rarely available at the larger firms. I personally deal with each case. I strive to keep my clients well informed about their case so they have all the information necessary to make important decisions. I also take the time to educate my clients about the legal issues involved and the potential consequences of their decisions.

I am an Atlanta native with 30 years experience primarily in bankruptcy law. Having served the Atlanta County Justice Courts as a Judge Pro Tem from 2001 through 2008, I am a current member of the Atlanta Bar in good standing and admitted to practice law in all state and federal courts.

Charlottesville Low Cost Bankruptcy Center ~ Serving the Greater Central Virginia Area

Royer Caramanis PLC
200-C Garrett St.
Charlottesville, VA 22902

Free parking available

FREE Phone Consult: (434) 337-3371

Total Cost to File Bankruptcy in the U.S.

Published by Low Cost Bankruptcy Centers of America

The total cost to file bankruptcy in the U.S. includes fees for court filing, required debtor education courses, legal assistance, and more. Here is the complete breakdown.

Court fees

As of November 2019, the total federal court filing fees to file a bankruptcy petition in all 50 states is $335 for Chapter 7 cases, and $310 to file Chapter 13. This includes the court filing fee, administrative fee, and trustee surcharge.

Fee exemptions

The filing fee is due to the court when you file your petition. However, you may ask the court if you can pay the fee in installments or that the court waive the fee. To qualify for a fee waiver, you must not be able to make installment payments and your income must be below 150% of the poverty line. Most people, even those filing bankruptcy, do not qualify for fees to be waived. This is especially true with Chapter 13 bankruptcy, as you must have enough income to fund a repayment plan for 3 to 5 years to qualify for Chapter 13.

Additionally required in the cost to file bankruptcy

The bankruptcy court will also require that you take a personal financial management course and debtor education course prior to the discharge of your case. If you file your case “pro se”, the court can provide you with a list of approved courses. Low Cost Bankruptcy Center attorneys can also provide a list of course providers.

Most approved credit counseling agencies charge about $25 to $50 to complete the financial management course. The debtor education course also usually costs from $10 to $50. However, the law says that agencies must provide the counseling without regard to your ability to pay. So, if you are unable to afford these costs, let the agency know.

To help determine all eligible creditors and balances that may be dismissed in your bankruptcy filing, you will also need a copy of your current credit report. Many low cost bankruptcy attorneys will include the fee for obtaining your credit report in their flat fee. Others may charge an additional cost of around $20.

Attorney fees

In addition to court fees, attorneys need to be included in the total cost to file bankruptcy. Most  bankruptcy attorneys participating with Low Cost Bankruptcy Centers of America will accept a partial payment of their fees prior to filing Chapter 13 bankruptcy cases, with the remainder of the fees included in the court-ordered repayment plan post-bankruptcy. The portion of the attorney fee you’ll pay upfront can range from $50 to $800, depending on the market and chosen attorney. While the complete attorney fee included in the final cost to file bankruptcy may total $2000 to $4000 for Chapter 13, payments for the balance of the fees are typically very low and affordable.

Low cost bankruptcy attorneys will also typically accept a reasonable down payment and affordable payments toward their attorney fee for Chapter 7 cases as well. The difference with Chapter 7 is that all attorney fees must be paid in full prior to filing your Chapter 7 bankruptcy case, according to federal court rules. This makes the total cost to file bankruptcy much lower for Chapter 7 cases.

With some Chapter 7s, you may be able to secure a low cost attorney for your case with as little as $0 down, though a number of low cost attorneys require a nominal down payment of $100-$300 to become your attorney of record (allowing you to refer all creditors to your attorney, thereby putting an end to any creditor harrassment you may be experiencing).

These fees are paid following your initial free consultation, and only if you decide to hire the attorney you consult with. You typically may make payments toward the attorney fees at your own pace, paying as much or as little as you can afford in each payment. Once your attorney fees have been paid in full, and you have enough to pay the required court filing fees, your attorney will file your case in court for you and begin the legal discharge of your debts.

In your initial free consultation, your low cost bankruptcy attorney will provide a complete breakdown of all fees required and the total cost to file bankruptcy for your individual circumstances.

Find the Low Cost Bankruptcy Centers of America bankruptcy attorney near you:

What people are saying about Low Cost Bankruptcy Centers of America bankruptcy attorneys:

*Each Center is independently owned and operated and sets their own rates and payment terms. 

Could have charged more

"Mr. Ponath was very helpful. Our case was especially complicated and involved multiple issues from different states. He took the time to evaluate every detail and research the best possible paths for us to take depending on what may happen next. He thoroughly and accurately answered all of our questions, and he could certainly have charged more for the quality of his services.” - Michael 

Very responsive

"John Goetz was awesome! He was up front with his fees and he was always there to help. Not only did he know what he was doing, but he appeared to be quite respected by the trustee I had. He’s also very responsive to questions by email, which really really helps with the stresses of a bankruptcy. My case, in fact, could not have gone better. “ - Lauren, Ruckersville 

Immediately put at ease 

"From the minute I met Mr. Ponnock, I was immediately put to ease. He explained every step we would go through, and was always available if I had any questions. I highly recommend Andrew Ponnock. He is not only a great lawyer, but when you walk away you feel like you have a new friend.” - Ft. Lauderdale 

Low Cost Bankruptcy Centers of America bankruptcy attorneys make filing as easy as 1-2-3

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