Chapter 13 Bankruptcy Cost (2026)
Fee Type
Flat Fee ($2,500-$6,000)
Cost Range
$2,500 - $6,000
National Average
$3,500
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Overview
Chapter 13 bankruptcy reorganizes debts into a 3-5 year repayment plan, allowing you to keep property while catching up on secured debts.
What Affects the Cost
- Attorney fees by region
- Court filing fee ($313)
- Repayment plan complexity
- Secured debt amounts
- Mortgage arrears
- Tax debt included
- Plan payment calculation
Cost by State
| State | Low | Average | High |
|---|---|---|---|
| Alabama | $2,050 | $2,870 | $4,920 |
| Alaska | $2,875 | $4,025 | $6,900 |
| Arizona | $2,375 | $3,325 | $5,700 |
| Arkansas | $2,000 | $2,800 | $4,800 |
| California | $3,625 | $5,075 | $8,700 |
| Colorado | $2,750 | $3,850 | $6,600 |
| Connecticut | $3,125 | $4,375 | $7,500 |
| Delaware | $2,750 | $3,850 | $6,600 |
| Florida | $2,625 | $3,675 | $6,300 |
| Georgia | $2,375 | $3,325 | $5,700 |
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Frequently Asked Questions
How much does Chapter 13 bankruptcy cost?
Attorney fees: $2,500-$6,000 (often paid through the plan). Filing fee: $313. Total: $2,813-$6,313.
How is Chapter 13 different from Chapter 7?
Chapter 13 is a repayment plan (3-5 years) that lets you keep property. Chapter 7 liquidates non-exempt assets for immediate debt elimination.
Can attorney fees be included in the repayment plan?
Yes. Most Chapter 13 attorneys collect their fees through the repayment plan, reducing upfront costs.
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