How much does it cost to file bankruptcy on credit cards?

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Filing for bankruptcy on credit cards can be a daunting process, both emotionally and financially. It is important to understand the costs involved before deciding to pursue this option. In this article, we will delve into the various expenses associated with filing bankruptcy on credit cards and provide you with a comprehensive overview of the potential costs involved.

Attorney Fees

One of the primary costs associated with filing bankruptcy on credit cards is hiring an attorney. Bankruptcy law is complex, and having a knowledgeable attorney by your side can greatly increase your chances of a successful outcome. The fees charged by bankruptcy attorneys can vary depending on factors such as your location and the complexity of your case. On average, you can expect to pay anywhere from $1,000 to $3,500 for an attorney’s services.

Court Filing Fees

In addition to attorney fees, there are court filing fees that must be paid when filing for bankruptcy. These fees are set by the court and are non-negotiable. As of 2021, the filing fee for a Chapter 7 bankruptcy is $335, while the fee for a Chapter 13 bankruptcy is $310. These fees cover the administrative costs associated with processing your bankruptcy case.

Credit Counseling and Debtor Education Courses

Before filing for bankruptcy, individuals are required to complete credit counseling and debtor education courses. These courses are designed to provide you with the necessary information and tools to make informed financial decisions in the future. The cost of these courses can vary, but on average, you can expect to pay around $50 for credit counseling and an additional $50 for debtor education.

Additional Costs

While attorney fees, court filing fees, and credit counseling courses are the primary costs associated with filing bankruptcy on credit cards, there may be additional expenses to consider. These can include costs for obtaining credit reports, postage fees for mailing documents, and any potential fees associated with attending mandatory court hearings or meetings of creditors. It is important to discuss these potential costs with your attorney to ensure you have a clear understanding of the financial implications of filing for bankruptcy.


Filing for bankruptcy on credit cards can come with a significant financial burden. From attorney fees to court filing fees and credit counseling courses, the costs can add up quickly. It is essential to carefully consider these expenses and weigh them against the potential benefits of filing for bankruptcy. Consulting with a bankruptcy attorney who can provide you with personalized advice based on your specific circumstances is crucial in making an informed decision.


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