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Get Your Filing Fee There is a $338filing fee for Chapter 7 bankruptcy. You need to pay this or apply for a waiver or to pay in installments when you submit your bankruptcy petition. If your income falls below 150% of the state poverty guidelines, you may be eligible for a fee waiver.

That said, our office typically charges a legal fee ranging between $800 and $2,000 for a standard Chapter 7 bankruptcy and between $2,500 and $5,000 for an average Chapter 13 bankruptcy.

This record will be available to anyone in the court at the time of the ruling or anyone that has access to bankruptcy rulings and information. The big difference in Massachusetts is that anyone who usually does not have access to this information has to have a PACER account to look it up.

The biggest difference between Chapter 7 and Chapter 13 is that Chapter 7 focuses on discharging (getting rid of) unsecured debt such as credit cards, personal loans and medical bills while Chapter 13 allows you to catch up on secured debts like your home or your car while also discharging unsecured debt.

If you have more than $10,000 in dischargeable debt and you can't keep up with the minimum payments on your debt each month, then filing bankruptcy may be worth it for you. This is especially true if a creditor or debt collector is threatening to sue or garnish your wages.

The Bankruptcy Court charges filing fees: $335 for Chapter 7 bankruptcy. You can ask to waive the fee if your income is lower than 150% of the federal poverty guidelines and you cannot afford the fee or you can ask to pay it in 4 smaller payments called installments.