How Much Does It Cost to File Bankruptcy in Florida?
If you’re considering bankruptcy in Florida, one of the first questions you may have is: How much is this going to cost me?
Between attorney fees, court filing fees, and credit counseling requirements, the cost of bankruptcy varies depending on your situation—but the process is often more affordable than continuing to struggle with unmanageable debt.
In this guide, we’ll break down the actual costs of filing Chapter 7 or Chapter 13 in Florida and clarify some common misconceptions.
Filing Fees in Florida Bankruptcy Cases
Bankruptcy fees are set at the federal level and apply across all Florida jurisdictions.
New Petition Court Filing Fees (2025):
- Chapter 7: $338 [$245 filing fee + $78 administrative fee + $15 trustee surcharge]
- Chapter 13: $313 [$235 filing fee + $78 administrative fee]
These fees are paid directly to the court when your bankruptcy petition is filed. If you cannot afford the cost up front, installment payments may be available, and in rare cases, fee waivers may be granted in Chapter 7 cases based on income eligibility.
Mandatory Credit Counseling Costs
Federal law requires that you complete:
- A pre-filing credit counseling course, and
- A post-filing debtor education course
These courses usually cost between $10 and $50 each, and many providers offer income-based discounts or free services.
How Much Do Bankruptcy Attorneys Charge in Florida?
Attorney fees vary based on the type of bankruptcy, your location, and the complexity of your case. Bankruptcy attorneys typically charge a flat fee for their services, which the court monitors. A more complicated case will result in higher fees, subject to court approval.
Chapter 7 Attorney Fees:
- Most Florida attorneys charge between $1,200 and $2,000
- Simple cases may fall on the lower end
- Complex filings (involving business ownership, large debts, or lawsuits) may cost more
Chapter 13 Attorney Fees:
- Typically between $3,000 and $4,500
- The good news: Much of this fee is paid through your repayment plan, not upfront
The court must approve these fees, which are often regulated by local rules to ensure fairness.
Are Payment Plans Available?
Yes. Many bankruptcy attorneys offer flexible payment plans, particularly for Chapter 7 cases. Some allow you to:
- Pay in installments before filing, or
- Use a “file now, pay later” model (note: court rules may affect this option)
At the Debt Relief Law Offices of Tampa Bay, we work with clients to find affordable arrangements whenever possible.
Is Bankruptcy Expensive? Or Just Misunderstood?
Bankruptcy is often viewed as a “last resort,” but for many Floridians, it’s the most cost-effective financial solution available.
Common Myths:
- “It costs thousands just to file.” False. While attorney fees vary, the filing cost itself is a few hundred dollars.
- “Only wealthy people can afford bankruptcy lawyers.” False. Some attorneys specialize in providing affordable legal assistance, and various payment options are available.
- “I’ll lose everything.” False. Florida’s homestead exemption and other asset protections allow most filers to keep essential property.
In many cases, the cost of filing bankruptcy is far less than the interest, penalties, and stress of continuing to carry overwhelming debt.
Is It Worth It?
Bankruptcy isn’t free—but it may save you thousands in the long run. By wiping out credit card debt, medical bills, or stopping wage garnishment, bankruptcy can give you the financial reset you need without resorting to high-interest consolidation loans or risky settlements.
Speak With an Affordable Bankruptcy Attorney in Tampa Bay
At the Debt Relief Law Offices of Tampa Bay, we’ve helped clients throughout Florida navigate bankruptcy affordably and confidently. With over 35 years of experience, we work hard to find cost-effective solutions for individuals and families burdened by debt.
Serving Tampa, New Port Richey, Wesley Chapel, and nearby communities
Schedule a consultation to learn your options and get a transparent breakdown of costs.
Ziona Kopelovich, Esq. is a Board-Certified Consumer Bankruptcy Attorney and founder of Debt Relief Law Offices of Tampa Bay. Since 1996, she has helped Floridians navigate Chapter 7 and Chapter 13 filings, lien stripping, foreclosure defense, and post-discharge credit rebuilding. Passionate about second chances, Ziona blends deep legal expertise with genuine compassion to guide clients toward brighter, debt-free futures.
