Chapter 7 Bankruptcy Cost (2026)
Fee Type
Flat Fee ($1,000-$2,000)
Cost Range
$1,000 - $3,500
National Average
$1,800
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Overview
Chapter 7 bankruptcy eliminates most unsecured debts in 3-4 months. It's the most common type of consumer bankruptcy.
What Affects the Cost
- Attorney fees by region
- Court filing fee ($338)
- Credit counseling courses ($30-$50)
- Asset complexity
- Business debts included
- Prior bankruptcy filings
Cost by State
| State | Low | Average | High |
|---|---|---|---|
| Alabama | $820 | $1,476 | $2,870 |
| Alaska | $1,150 | $2,070 | $4,025 |
| Arizona | $950 | $1,710 | $3,325 |
| Arkansas | $800 | $1,440 | $2,800 |
| California | $1,450 | $2,610 | $5,075 |
| Colorado | $1,100 | $1,980 | $3,850 |
| Connecticut | $1,250 | $2,250 | $4,375 |
| Delaware | $1,100 | $1,980 | $3,850 |
| Florida | $1,050 | $1,890 | $3,675 |
| Georgia | $950 | $1,710 | $3,325 |
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Frequently Asked Questions
How much does Chapter 7 bankruptcy cost?
Attorney fees: $1,000-$2,000. Court filing: $338. Credit counseling: $30-$50. Total: $1,368-$2,388.
What debts does Chapter 7 eliminate?
Credit cards, medical bills, personal loans, and most unsecured debt. Does NOT eliminate student loans, taxes, child support, or alimony.
Do I qualify for Chapter 7?
You must pass the means test, which compares your income to your state's median. Below-median income typically qualifies.
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