What does it cost to file for bankruptcy in Texas?

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We're thinking about filing for bankruptcy, but we don't have much cash available. How much does a bankruptcy case in Texas cost?

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The cost of filing for bankruptcy is set by federal law, not state law. So the filing fees are the same in every state: $335 to file for Chapter 7 bankruptcy and $310 to file for Chapter 13 bankruptcy. 

If you can't afford to pay the fee all at once, you can ask the bankruptcy court for permission to pay the fee in up to four installments. If you file under Chapter 7, you can also ask the court to waive the fee altogether. (This option isn't available in Chapter 13.)

If you hire a lawyer, you will have to pay attorney fees as well. For a relatively straightfoward Chapter 7 case, a lawyer might charge you a flat fee. For Chapter 13 cases (which are more complex) or cases that have complications, a lawyer might charge by the hour. Either way, you should find out how the lawyer charges and get an estimate of fees before you hire a lawyer to represent you in your bankruptcy case. 

by: , J.D.

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