​How much does it cost to file bankruptcy in NC?

Chapter 7 (straight bankruptcy) requires all fees to be paid up front whereas Chapter 13 involves monthly payments, typically over 3-5 years. A typical Chapter 7 bankruptcy with Witt Law runs $1,950 total including all attorney fees, filing fees, and mandatory credit counseling fees. A typical Chapter 13 (wage earner plan) requires $1,500 upfront and the remainder is paid along with your monthly bankruptcy payment  over 3-5 years.

Chapter 7

  • ​Filing fee= $335
  • Credit Counseling fee= ~$30
  • Typical attorney fee= ~$1,575
*You may make monthly payments to our office, but the Court will not allow us to file until we are paid in full.

Chapter 13

  • Upfront required fee= $1,500
  • Filing fee= $310
  • Credit Counseling fee= ~$30
  • Presumptive attorney fee over life of plan set by the Court= $4,500
  • Chapter 13 Trustee Commission= ~5% of the monthly bankruptcy payment