Chapter 13 Filing Fee and Associated Costs

How much can you expect to pay in Chapter 13 bankruptcy filing fees? Read our latest blog post to find out.Chapter 13 Bankruptcy

As you prepare to file for Chapter 13 Bankruptcy, don’t forget to factor in filing fees and associated costs. In this guide, you’ll learn how much you can expect to pay so you can move forward to a stronger, more stable financial future.


What is Chapter 13 Bankruptcy

Chapter 7 and Chapter 13 are the two most common types of consumer bankruptcy. You may have heard of Chapter 7 bankruptcy referred to as “liquidation bankruptcy” and Chapter 13 bankruptcy called “reorganization bankruptcy.” This is because while Chapter 7 bankruptcy allows for the liquidation of debts, Chapter 13 bankruptcy is focused on reorganizing debts for repayment. In other words, during a Chapter 13 bankruptcy, you will be expected to repay some or all of your debt through a payment plan. These payment plans generally last 3 to 5 years, depending on your income. With a Chapter 13 bankruptcy, you may also be able to stop foreclosure proceedings and retain some of your assets.


Filing Fees

The amount you pay to file for bankruptcy is not only dependent on the type of bankruptcy you choose but also on where and how you file. According to United States Bankruptcy Court District of Maryland, the filing fee for Chapter 13 bankruptcy is $310.00. This fee must be paid by money order or through certified funds and are generally due at the time of filing. Keep in mind this does not include any conversion or reopening fees.


Associated Costs

The filing fees are the same for individuals who decide to file on their own and for those who file with an attorney. Working with an attorney to file Chapter 13 bankruptcy will, of course, raise your costs, but it may also raise your chance of success. According to the United States Courts website, “Individuals can file bankruptcy without an attorney [. . .]. However, seeking the advice of a qualified attorney is strongly recommended because bankruptcy has long-term financial and legal outcomes.”


Any misunderstanding of the law and legal process can have serious consequences. By working with a qualified attorney, you can avoid these serious mistakes and work to secure a stronger financial future for you and your family.


Don’t leave your future up to chance. Contact Akman & Associates, LLC, to discuss your bankruptcy case and the most favorable way to proceed.