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How much does a bankruptcy attorney cost?

Average cost in 20149: $935 See National


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The average cost for a bankruptcy lawyer is $935. You are likely to spend between $555 and $1,580 total. Exact price may vary depending on your area and project details.

Updated August 1st, 2017

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Bankruptcy attorneys assist individuals and businesses that need to file for bankruptcy. Filing may be for Chapter 7 (liquidation), Chapter 13 (repayment) or Chapter 11 (large repayment). Debt can include credit card debt, student loan debt, medical expenses, car payments, bank loans, back taxes or mortgage debt. Assistance is available whether or not clients have applied for bankruptcy in the past. Several factors affect the cost of hiring a bankruptcy attorney.


Geographic location can play a role in the cost of bankruptcy attorney fees. Regional market rates vary based on local competition, cost of living and more.

Experience and reputation

Lawyers with extensive experience, a well-regarded academic background and those who work for a highly reputable firm may have higher rates for filing bankruptcy claims than other lawyers who are just starting out or are not as well-known.

Hourly rate

Some attorneys charge an hourly fee for filing a bankruptcy case, although more commonly, they charge a flat rate for this service. Hourly rates may come into play—on top of the flat fee—if the case is more complex than normal and the lawyer is required to do additional work.

Chapter 7

Chapter 7 is the most common form of bankruptcy in the United States and requires the individual or business in question to turn over their assets and debts to a court-appointed bankruptcy trustee. Typically the client pays the entire fee for the attorney’s services upfront because, once the filing is complete, any unsecured debt is eliminated—including lawyers fees—and the attorney would be in danger of not getting paid.

The Law Offices of Eugene Mogilevsky LLC in Indianapolis, Indiana charges $1,000 for filing Chapter 7 bankruptcy for an individual. The price increases if the person has one or more businesses, tax implications or a potential adversary case. The price includes all necessary meetings with the lawyer (not an assistant or paralegal), attendance at court hearings and 341 Meeting of Creditors, and a commitment to complete the bankruptcy on time. On average, this process takes about 8–11 hours of work time.

According to Law Offices of Eugene Mogilevsky LLC, larger firms may charge $1,250–$1,300 per Chapter 7 filing, and solo attorneys charge approximately $700. Some large bankruptcy specialty firms charge less, but clients typically work with a paralegal most of the time when rates are low.

Chapter 13

Chapter 13 allows individuals to create a repayment plan with creditors through the courts. Each bankruptcy district sets a price limit on what attorneys can charge for this service. For example, in the Indiana Southern District, the current price limitation is $4,000. Attorneys can collect a partial payment upfront, but they cannot collect the entire payment before the services are rendered. Law Offices of Eugene Mogilevsky LLC breaks down payment as follows:

  • Fee requested prior to filing bankruptcy: $1,190

  • Fee charged to clients as part of their repayment plan: $2,810

    • Some bankruptcy law firms do not charge anything upfront. Typically, larger firms can absorb the cost of lost labor if the bankruptcy filing gets dismissed.

    • Attorney time on the case is much greater when filing Chapter 13 than Chapter 7 because the details (number of issues, court hearings, trustee objections, etc.) are more unpredictable.

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Recent reviews

Anthony Clark and Associates, PLLC

If you are beginning to contemplate or take the first steps toward filing Bankruptcy, or even if you would just like to learn more about the different Bankruptcy categories, DON'T do it alone. 99% of the time I am a firm believer in, 'If you want something done right, you do it yourself,' this is NOT one of those times. Between a demanding work schedule and the day-to-day curve balls everyday life throws you, it simply is not worth the stress, time, effort, and energy to take on the added role of Attorney. Enter, Anthony Clark! I've had multiple negative experiences with multiple lawyers. Even when I've done my research, I have still found myself paying top dollar only to be severely disappointed time and time again. Anthony Clark is one of the good guys. He's a seasoned professional in his field of practice, and furthermore, he has set himself far apart from the rest with his sincerely compassionate demeanor. Mr. Clark is aware this is not an easy situation for anyone, and he is sensitive to that while still maintaining a high degree of professionalism. He is available when needed, responsive, attentive, and a wealth of knowledge on the topic of Bankruptcy. He is quite patient and always eager to help (the polar opposite of what I've experienced thus far from other attorneys). He provides cost-efficient options when it comes the court-required courses. I had received several quotes when I took to Thumbtack with my request for a Bankruptcy Attorney, but Anthony stood out from the rest ~ with a plethora of good reviews, a reasonable quote, and most important to me was his persistence. It was a reassuring characteristic. I felt that he would demonstrate the same tenacity and determination while handling my case. I was right! I cannot share enough positive aspects of my experience with Anthony Clark. He has made a complicated and intimidating process, quick and painless!!


I would rate them 10 stars if I could. These guys are simply AWESOME! The only reason everything wasn't done in 2 hours is because I decided to use them on a holiday weekend where one of the law required things to do was not available until Tuesday. On their side of everything it was done in less than 2 hours, SUPER professional and UBER friendly! Don't waste your money going elsewhere!

Bruns, P.C.

Had heard an ad on the radio for bankruptcy lawyers in the area, and had decided to file for ch.7 bankruptcy after finding out we were expecting our first baby. I had racked up quite a bit of debt after the passing of my mother 2 years prior, and we wanted (NEEDED) a fresh start financially. I did a quick search online and came across a few lawyers, but Tamara was the only one with a consistent positive review - on top of being very quick with her response! She was very upfront about costs, procedures and was always available to answer and address and questions or concerns. Everything was done via e-mail, text, and over the phone - even our first official "meeting" was via FaceTime. It was so convenient and easy work with Tamara, and she never made me feel like it was overwhelming or I was in over my head. My case was discharged this past week, and now I'm just waiting for the final paperwork to let me know everything is completely finished. I would highly recommend her to anyone looking for any legal advice or help! She's the best and so great at what she does!