Know the costs before deciding. Our bankruptcy payment plan starts with $450 down.
Many people think filing for bankruptcy is free or very cheap — and they are often surprised by the real costs. It doesn’t have to be confusing. Here’s what decides the cost of your case, and how to get your exact number before you spend a dime.
What decides the cost
The cost of a Chapter 7 bankruptcy depends on a few main things
There is no single price that fits everyone — because there is no single amount of work. Three facts about your life determine how much work your case takes:
Filing alone or with your spouse
You can file by yourself or together with your spouse. Many married couples file together, but it’s not something you have to do — sometimes one spouse decides not to file for personal or financial reasons. Filing together adds extra costs for credit reports and legal work.
Your household income
The court looks at the income of everyone living in your home — not just the person filing. The income limits depend on your household size and change every few months. Income even a little above the median means more paperwork. It doesn’t mean you can’t file Chapter 7 — but we can’t guarantee you’ll qualify without a detailed review of your finances.
Self-employment
If you or your spouse is self-employed, there will be extra paperwork — even if you don’t make much from it. The court still requires more documents, which means more legal work, whatever the amount earned.
Getting started
At least $450 down starts your bankruptcy case
Whether your case ends up under Chapter 7 or Chapter 13, the minimum down payment is the same.
The down payment is always at least $450 — but that is only part of the total legal fee. The rest is spread out in monthly payments you can manage. We’ll size the plan around your situation on the free call.
Most of the time, the full fee must be paid before your case is filed. Bankruptcy rules work that way — which is exactly why we build a payment plan that finishes on schedule, with your paperwork fresh and ready to file.
⚖️ Clean slate — flat fee
Your total is a flat fee set in a written agreement: the attorney fee plus the court filing fee, the two required courses, and your credit report. The exact amount depends on the three factors above — and you’ll have the full number in writing before you pay anything beyond the down payment.
🏠 Keep property — court-set fee
The Court regulates the Chapter 13 attorney fee, so it isn’t left to the law firm to invent. The same $450 minimum down gets you started — and in a Chapter 13, attorney fees are generally paid through your court-approved plan rather than out of your pocket up front.
Your exact number
One free phone call tells you exactly where you stand
To determine your fee, we have to know whether your household income is above or below the current Nevada median. That’s easier than it sounds — it takes one call:
Schedule the free call
The call to speak with the attorney is free. All you need to do is schedule it, be available, and know your income — and your spouse’s, if you have one.
Share two simple facts
Your gross income and how many people living with you depend on it. That’s all we need to see whether your household is above or below the current median for your household size.
Get your exact fee — in writing
You’ll know your full flat fee before you decide anything or pay anything beyond the down payment. No guessing, no surprises later.
The math most people miss
Legal fees are often less than 10% of the debts bankruptcy can wipe out
The upfront cost might seem high. But think about the trade-off:
If you could pay $2,500 to clear $25,000 or more in debt, most people would take that deal. The real question is whether that trade-off works for you — and that’s exactly what the free call is for.
Common questions
Questions people ask about the cost
Is bankruptcy free?
No — and if someone tells you it is, be careful. Bankruptcy involves a court filing fee, two required courses, a credit report, and the attorney’s legal fee. None of it is a mystery, though: you’ll get the exact numbers for your case, in writing, on the free call — before you decide anything.
How much do I need to get started?
At least $450 — the same minimum down payment for Chapter 7 and Chapter 13 cases. It’s only part of the total legal fee; the balance is spread over monthly payments sized to your situation.
Does the $450 down payment count toward my fee?
Yes — the down payment is credited toward your total fee and costs. It is not an extra charge on top. Everything is laid out line by line in your written fee agreement before you sign anything.
Do I have to pay the full fee before my case is filed?
For Chapter 7, most of the time yes — bankruptcy rules require the full fee and costs to be paid before filing. That’s why the payment plan is designed to finish on schedule. In Chapter 13, the court-set attorney fee is generally paid through your plan over time instead.
Does income above the median mean I can’t file Chapter 7?
No. It means the court needs more paperwork, so the case takes more work — and we can’t guarantee you’ll qualify without a detailed review of your finances. Above-median households sometimes qualify for Chapter 7 anyway, and sometimes Chapter 13 is the smarter path. The free call sorts this out.
What happens on the free call?
You tell us your gross income and your household size — that’s it. We compare it to the current median income for your household size, tell you which fee category applies, and quote your exact flat fee in writing. If bankruptcy isn’t your best move, we’ll tell you that too.
Why doesn’t the website just list exact fees?
Because a single posted price would honestly be wrong for half the people who read it. The cost depends on whether you file alone or with a spouse, whether anyone in the household is self-employed, and whether your income is above or below the median. Quoting your exact fee — in writing, on a free call — is more honest than a one-size-fits-all number.
Are there payment plans?
Yes. After the down payment, the balance is spread over monthly payments. In Chapter 7, the plan finishes before filing so your documents are current; in Chapter 13, the court-set fee is generally paid through your plan over time.
The call is free. Your exact cost is one conversation away.
All you need to do is schedule it, be available, and know your income (and your spouse’s, if you have one). We’ll take it from there.