How Much Does It Cost to File Bankruptcy in Houston, Texas?

Cost is one of the most common questions people ask before contacting a bankruptcy attorney. Here is a straightforward breakdown of what it actually costs to file bankruptcy in Houston.

Court Filing Fees

The U.S. Bankruptcy Court charges a filing fee that is the same regardless of which attorney you hire. The fee for Chapter 7 is $338 and for Chapter 13 is $313. In cases of genuine hardship, it is possible to apply for a fee waiver or pay in installments with court approval.

Credit Counseling and Debtor Education

Federal law requires two courses: a credit counseling course before filing and a debtor education course before discharge. These are available online and typically cost between $10 and $50 each. I can point you to approved providers that are affordable and easy to complete.

Attorney Fees

Attorney fees in Houston generally range from around $1,000 to $2,500 for a straightforward Chapter 7 case. Chapter 13 fees are higher due to the complexity and multi-year representation, though a portion can often be paid through the plan itself.

Be cautious of unusually low fees. Missed exemptions and an improperly prepared petition can cost you far more than you saved. Bankruptcy is a federal legal proceeding with real consequences.

Is It Worth It?

A successful Chapter 7 discharge can eliminate $30,000, $80,000, or $150,000 in debt. The total cost — filing fees, courses, and attorney fees — is a fraction of what is being discharged. For most people, it is one of the highest-return decisions they can make.

Call my Houston office at (713) 366-1288 for a free consultation. I will give you a clear, honest picture of what your case would cost and what you would get out of it.