You must pay your own attorney fees which generally start at $500 depending on the case.

You have the right to discuss fees with your attorney to reach a clear understanding of how much it will cost. A retainer prevents any misunderstanding between the attorney and client, and is now required under law in all consumer bankruptcy cases. As part of the basic services covered under your legal fee, you should expect to receive written materials on re-establishing credit, prompt filing of your petition, and someone always available to answer your questions or concerns. These are important considerations that should not be overlooked when deciding upon an experienced bankruptcy lawyer.

Additional costs include court filing fees and fees for mandatory Credit Counseling and Debtor Education briefings.

You are responsible for the court filing fee, which is currently $274.00 for Chapter 13 and $299.00 for Chapter 7. Other incidental charges may include real estate appraisals, credit report or search fees if necessary.