There are several costs involved in filing the bankruptcy case.
1. The court costs are $274 for a chapter 13 and $299 for a chapter 7.
2. In addition there’s a cost for the mandatory credit counseling which is typically $49
3. There is a Financial Management course which must also be taken which runs about $20 per person.
4. In addition to these costs, there are attorneys fees. In southern Ohio, chapter 7 attorney’s fees range from a minimum of about $1000 to several thousand or more, and for Chapter 13, the attorney fees are generally $3,500 most of which is paid as part of the bankruptcy case and not paid up front. In a chapter 7 case, generally all the fees and costs are paid up front, before the case is filed.