How Much Does It Cost to File Bankruptcy in Texas?

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Facing financial hardship and considering filing bankruptcy in Texas? You’re not alone. Bankruptcy can be a daunting process, especially when you’re unsure about the costs involved.

This article will guide you through what to expect – from attorney fees to court filing costs, we’ve got it all covered. Ready to navigate the financial maze? Let’s dive in!

Key Takeaways

  • Filing bankruptcy in Texas involves costs such as attorney fees, court filing fees, and mandatory course costs.
  • The cost of hiring a bankruptcy attorney can range from $1,000 to $2,500 for Chapter 7 cases and $2,500 to $4,000 for Chapter 13 cases.
  • Filing fees for Chapter 7 bankruptcy are $335 and for Chapter 13 bankruptcy are $310. Mandatory course costs typically range from $10 to $50.
  • Factors that can affect the cost of filing bankruptcy in Texas include location (city), district, and inflation.

Cost Breakdown of Filing Bankruptcy in Texas

Filing bankruptcy in Texas involves several costs, including bankruptcy attorney fees, chapter 13 bankruptcy attorney fees, and various filing expenses such as filing fees, mandatory course costs, and miscellaneous costs.

Bankruptcy Attorney Fees

Hiring a bankruptcy attorney in Texas can be a significant part of your costs. Their fees vary widely, often ranging from $1,000 to $2,500 for Chapter 7 cases. This depends on the complexity of the situation and location within Texas.

For more intricate financial landscapes involving business assets or property under Chapter 13, it could exceed that range. Despite this cost, many find value in securing an experienced professional to navigate through legal processes and paperwork effectively.

Legal expertise can help ensure you’re protected during meetings with creditors and court proceedings which are inevitable parts of bankruptcy filing process. Alternatively, there are also provisions available for free or low-cost legal aid for those who qualify based on income restrictions.

Chapter 13 Bankruptcy Attorney Fees

Chapter 13 bankruptcy attorney fees are an important consideration when filing for bankruptcy in Texas. These fees can vary depending on the complexity of your case and the experience of the attorney you choose to work with.

On average, Chapter 13 bankruptcy attorney fees in Texas range from $2,500 to $4,000. It’s essential to discuss these fees upfront with your attorney and understand what services they include.

Remember that hiring an experienced attorney can help ensure a smoother process and potentially better outcomes for your case.

In addition to Chapter 13 bankruptcy attorney fees, there are other costs associated with filing for bankruptcy, such as court filing fees and mandatory course costs. These additional expenses should be taken into account when budgeting for your bankruptcy case.

Bankruptcy Filing Costs (Filing Fees, Mandatory Course Costs, Miscellaneous Costs)

Filing for bankruptcy in Texas comes with various costs that you need to be aware of. Firstly, there is a filing fee of $335 for Chapter 7 bankruptcy and $310 for Chapter 13 bankruptcy.

Additionally, you will need to complete a mandatory course which usually costs between $10 and $50. However, some providers may waive the course fee if you meet certain income qualifications.

Apart from these fees, there are also miscellaneous costs such as attorney fees and court costs that you should budget for when considering bankruptcy in Texas.

Factors Affecting the Cost of Filing Bankruptcy in Texas

The cost of filing bankruptcy in Texas can vary based on factors such as location (Houston, San Antonio, Dallas), district (Northern, Southern, Eastern, Western), and inflation.

Location (Houston, San Antonio, Dallas)

Bankruptcy costs can vary for residents of different cities within Texas, such as Houston, San Antonio, and Dallas. These variations occur due to factors such as differences in lawyer fees, court costs, and other related expenses.

Location Chapter 7 Filing Fee Chapter 13 Filing Fee Bankruptcy Course Fee
Houston $338 $313 $10-$50
San Antonio $338 $313 $10-$50
Dallas $338 $313 $10-$50

The cost of a bankruptcy course, which typically ranges from $10 to $50, is a consistent expense irrespective of the city. Furthermore, every filer needs to make a minimum initial filing fee installment payment of $50 for Chapter 7 cases, regardless of their location within Texas. For those who cannot afford the fees, some providers might waive the course fee based on income qualifications. Moreover, they can also apply for a waiver for the filing fee for Chapter 7 bankruptcy in some cases.

District (Northern, Southern, Eastern, Western)

The cost of filing bankruptcy in Texas can vary depending on the district you are located in. Whether you are in the Northern, Southern, Eastern, or Western district of Texas, it is important to understand how this can impact your overall expenses. Each district may have different court fees and guidelines that influence the cost of filing bankruptcy. Therefore, it is crucial to research and understand the specific requirements and fees associated with your district before proceeding with your bankruptcy filing.


Inflation can have an impact on the cost of filing bankruptcy in Texas. As prices for goods and services rise over time, it is important to consider how this could affect the overall expenses associated with your bankruptcy case.

For example, if you are planning to file for Chapter 7 or Chapter 13 bankruptcy, there may be increases in fees such as attorney fees, court filing fees, and mandatory course costs.

It’s crucial to factor in inflation when estimating the total cost of filing bankruptcy in Texas so that you can adequately prepare your budget and avoid any unexpected financial burdens down the line.

Understanding the Bankruptcy Cost Estimator in Texas

Estimating the cost of filing bankruptcy in Texas is made easier with the use of a bankruptcy cost estimator. Find out how you can conveniently estimate your expenses and plan accordingly.

Using Your Zip Code to Estimate Costs

To estimate the costs of filing bankruptcy in Texas, you can use your zip code as a helpful tool. By entering your zip code into online resources or consulting with legal aid organizations, you can get an idea of the average fees and expenses associated with bankruptcy in your specific area.

This allows you to have a more accurate estimation of what it may cost you to file for bankruptcy based on where you live. Keep in mind that factors such as attorney fees and court costs may still vary, but using your zip code is a practical starting point to understand the potential costs involved.

Factors Included in the Estimation

Factors that are taken into account when estimating the cost of filing bankruptcy in Texas include:

  1. Type of Bankruptcy: The cost can vary depending on whether you are filing for Chapter 7 or Chapter 13 bankruptcy.
  2. Attorney Fees: Hiring a bankruptcy attorney is an additional expense, and the fees can vary based on the complexity of your case and the experience of the attorney.
  3. Filing Fees: There are specific fees required to file for bankruptcy, such as the initial filing fee and petition fees. These fees are set by the Bankruptcy Court and can change over time.
  4. Mandatory Course Costs: Before filing for bankruptcy, you are required to complete credit counseling and debtor education courses. These courses come with their own costs, but some providers may offer fee waivers based on income qualifications.
  5. Miscellaneous Costs: Other expenses may arise during the bankruptcy process, such as document retrieval fees or postage costs for mailing documents to creditors.

Resources for Free or Reduced-Cost Bankruptcy Filing in Texas

Discover options for free or reduced-cost bankruptcy filing in Texas and learn how to access legal aid organizations and file for bankruptcy for free. Don’t miss out on these valuable resources that can help alleviate the financial burden of filing bankruptcy.

Legal Aid Organizations

Legal Aid Organizations can provide free or reduced-cost assistance to individuals seeking bankruptcy filing in Texas. These organizations offer support and guidance throughout the bankruptcy process, helping cost-conscious buyers navigate the complexities of filing for bankruptcy. They can help with completing necessary forms, understanding legal requirements, and ensuring that all necessary documentation is submitted accurately. By connecting with a Legal Aid Organization, individuals can access valuable resources that can help alleviate some of the financial burden associated with filing for bankruptcy in Texas.

How to File Bankruptcy for Free in Texas

Filing for bankruptcy in Texas can be costly, but there are options available for those who are unable to afford the fees. If you’re looking to file bankruptcy for free in Texas, here’s what you need to know:

  1. Legal Aid Organizations: There are legal aid organizations in Texas that provide free or reduced-cost bankruptcy filing services. These organizations offer assistance to individuals who meet certain income qualifications.
  2. Pro Bono Attorneys: Pro bono attorneys offer their services for free or at a reduced cost to individuals who cannot afford to pay for legal representation. Contact local bar associations or legal clinics to inquire about pro bono attorneys specializing in bankruptcy cases.
  3. Bankruptcy Self-Help Centers: Some courthouses have self-help centers where you can access resources and guidance on filing for bankruptcy without the need for an attorney. These centers provide free information and may offer workshops or clinics to assist with the process.
  4. Bankruptcy Petition Preparers: Instead of hiring an attorney, you can consider using a bankruptcy petition preparer. These individuals can help you prepare your bankruptcy paperwork at a lower cost than hiring an attorney. However, keep in mind that they cannot provide legal advice.
  5. Filing Fee Waiver: In some cases, you may be eligible for a fee waiver when filing for bankruptcy in Texas. This means that you won’t have to pay the filing fee or other associated costs if approved by the court.


In conclusion, the cost to file bankruptcy in Texas varies depending on the type of bankruptcy and individual circumstances. For Chapter 7 bankruptcy, the filing fee is $335, while for Chapter 13 bankruptcy it is $310.

Additionally, there may be attorney fees and other miscellaneous costs involved. It’s important to research and understand all the factors that can affect the cost before proceeding with filing for bankruptcy in Texas.


1. What is the average cost to file bankruptcy in Texas?

The average cost of filing a Texas bankruptcy varies based on whether it’s a Chapter 7 or Chapter 13 bankruptcy, including both court costs and legal fees.

2. Are there options for free bankruptcy filing in Texas due to COVID restrictions?

While COVID has brought difficulties, it hasn’t led to waiving bankruptcy fees universally; however, some Bankruptcy services may offer reduced fee schedules under unique circumstances.

3. Can anyone meet the requirements to file for bankruptcy in Texas?

Not everyone can file for bankruptcy – one must first fulfill specific requirements such as income limitations and mandatory credit counseling sessions.

4. What are the pros and cons of filing for Chapter 7 versus Chapter 13 Bankruptcy?

Chapter 7 offers complete debt relief but risks property loss while you retain your properties under chapter 13 but have an extended repayment plan.

5. Is there any cash allowance during this process from the court?

Yes, when you declare either chapter of Bankruptcy in Texas; your essential belongings up-to-certain dollar values get protected by exemptions or “cash allowances.”

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