It now costs $299 to file for bankruptcy under chapter 7 and $274 to file for bankruptcy under chapter 13, whether for one person or a married couple. The court may allow you to pay this filing fee in installments if you can not pay all at once. If you are unable to pay the filing fee in installments in a chapter 7 case, and your household income is less than 150 percent of the official poverty guidelines (for example, the figures for 2006 are $19,800 for a family of 2 and $30,000 for a family of 4), you may request that the court waive the chapter 7 filing fee. The filing fee can not be waived in a chapter 13 case, but it can be paid in installments.
In addition to the filing fee, you will have to pay the pre-filing credit counseling course that costs anywhere from $5.00 to $50.00 depending upon whether you’re filing a single or joint case, or on an emergency basis. There is also a post-filing financial management course that is required with costs in the range of $25.00 to $50.00.
If you hire an attorney you will also have to pay the attorney’s fees. Be aware when you see advertisement claiming “Low Cost”,” “Cheap Bankruptcy,” or “$79.00 Starts Bankruptcy”. You may want to read an article about bankruptcy filing mill.
If your household income is very low, you may want to contact legal aids to see whether you can get free legal service. In Delaware, Legal Services Corporation of Delaware can handle bankruptcy filing for people whose income meet certain standards.