For Chapter 7 cases, the Clerk of the Bankruptcy Court collects a total of $306 filing and administrative fees. These fees are payable at the time your bankruptcy case is filed.
The usual charge for a consumer Chapter 7 Bankruptcy is $1140 if you are single and your income is below-median for your household size.
The usual charge for a consumer Chapter 7 Bankruptcy is $1380 if you are married or your income is above-median for your household size.
In most cases, persons seeking bankruptcy relief have been trying to pay their debts, including high-interest credit cards, and making little or no progress. Once the decision to file bankruptcy is made, you are advised to stop making payments on all dischargeable debts such as medical bills and credit cards, and to put those funds toward the bankruptcy fees.
Whatever the cause of the financial problems giving rise to the bankruptcy, the bankruptcy filing should be part of a rehabilitation process, which includes becoming accustomed to paying for goods and services up front, not on credit. The causes giving rise to the bankruptcy filing may include illness, unemployment, divorce, excessive use of credit cards, or even gambling, shopping, drug or alcohol addictions. It is office policy to advise the individual to address the underlying problem in conjunction with filing bankruptcy to help prevent a recurrence of the financial problems two or three years later.