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In this video, Corey discusses how much does it cost to file bankruptcy.
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South Jordan Bankruptcy Questions and Answers
How much does it cost to file a bankruptcy?
Bankruptcy costs are really going to vary by region. So you’re going to have to call around to find out but let me give you an average range so that you can figure it out. If you’re in an area like for example here in Salt Lake City, the average range is going to be anywhere from about 0 anywhere up to about ,600.
When you’re calling around, be very specific and ask what’s included in the fee. Sometimes what you’re going to find is that the ones that are really low are only quoting how much it’s going to cost to pay for them but they’re not telling you about all the other things you have to have to file a bankruptcy like credit report, filing fee, credit counseling, and they may have their own fees that they’ve added in. Call and ask.
You’ll also find just the opposite of that. There are some firms that are happy to just tell you the total cost and they’ll be happy to break it down. If they’re going to be that upfront to tell you it’s actually going to cost you X, they’ll be happy to tell you why and what each of those things are for. I’ll tell you what’s absolutely necessary so that when people tell you “well we’ve got this fee and that fee” you’ll know what’s necessary and what’s not.
There is a filing fee for Chapter 7 and Chapter 13. For a Chapter 7 the cost is 9, for a Chapter 13 the cost is 9. Now you’re going to have to have a credit report and it will not suffice for you to bring in your own free credit report from one of the free credit report sites. They’re going to have to actually pull your credit report so that it’s actually verified what they got.
The other thing that is going to be necessary is back in 2005 the federal government changed the bankruptcy laws and it’s not required that when you go through a bankruptcy you do two consumer counseling sessions. One before you file and one after you file. Fees vary, they’re all over the place on the cost for that. The average price of what you’re going to want to look for is somewhere between and for the first one. Ask if those things are included in the total price. Those are the things that are absolutely necessary.
If they give you any other things it’s for documents or document preparation or they have a creditor consulting fee, I don’t know, they may be just making stuff up. If they have those they may be good, look at it and see what it actually is and if it’s a value to you but it’s not necessary.
I’ve already told you the things that are absolutely necessary and those are the things that you’re going to have to pay no matter where you go. So even if someone quotes you 0 for your case you’re still going to have the 9 or 9 filing fee, the credit report, and the credit counseling so make sure you factor those in.