How Much Will it Cost to File for Bankruptcy in North Carolina?

Bankruptcy Lawyer Bryan W. Stone answers the question: “What are my alternatives to bankruptcy?”


If you are deeply in debt and considering a bankruptcy filing, you may be worried about the cost of filing for bankruptcy. While bankruptcy may help you get relief from your debt, you need to make sure that you can afford the filing fees and court costs.

mortgage-fee-Charlotte-Monroe-Mooresville-Bankruptcy-Lawyer-300x300At Arnold & Smith, PLLC, our experienced and trusted bankruptcy attorneys in North Carolina understand that you are in a difficult financial situation, which is why we offer our new prospective clients a free consultation regarding personal bankruptcy claims.

Call our North Carolina bankruptcy attorneys to determine how you should handle your situation on a path to debt relief.


What are Bankruptcy Filing Fees and Court Costs in North Carolina?

The cost of filing for bankruptcy in North Carolina depends on the type of bankruptcy. The most common types of bankruptcy are:

Each type of bankruptcy has its own filing fees and court costs. When filing for bankruptcy, you are required to pay a filing fee.

Note: When filing for bankruptcy, a court will also require you to take a mandatory pre-bankruptcy credit counseling class and a financial management course. You are responsible for paying for the courses.


How Much Does it Cost to File for Chapter 7 Bankruptcy?

When filing for Chapter 7 bankruptcy, the court filing fee is $338, according to the website of the United States Bankruptcy Court in North Carolina. The fee for the mandatory courses is $37.


How Much Does it Cost to File for Chapter 11 Bankruptcy?

You will have to pay a staggering $1,738 to file for Chapter 11 bankruptcy in North Carolina. A fee for credit counseling is $25. Also, you will be responsible for paying quarterly fees that total $325.


How Much Does it Cost to File for Chapter 13 Bankruptcy?

While you do not have to pay a filing fee prior to the filing of your case, you will have to pay $313 as the filing fee to the court through the Trustee. The mandatory credit counseling fee is $25.


Can I File for Bankruptcy for Free?

Yes, there may be a way to pay nothing when filing for bankruptcy in North Carolina. However, this option is available to people filing for Chapter 7 bankruptcy.

If you do not have the money to pay the Chapter 7 filing fee, you may be able to waive the filing fee if your monthly household income is less than 150% of the HHS Poverty Guidelines for 2021.

Consult with a lawyer to determine whether you qualify for a waiver of the bankruptcy filing fee in North Carolina.


Schedule a Consultation With Our North Carolina Bankruptcy Attorneys

At Arnold & Smith, PLLC, we understand that filing for bankruptcy is difficult and confusing. However, if you are deeply in debt, it is crucial to act quickly to improve your financial situation.

You do not need to waste your time Googling how to file for bankruptcy and how much it costs. You can receive a free initial consultation for a personal bankruptcy matter by contacting our bankruptcy attorneys in North Carolina.

We are prepared to answer your questions and help you understand your options when filing for bankruptcy. Get a phone or video consultation by calling at (704) 370-2828 to speak with our detail-oriented and well-versed lawyers, or fill out our contact form. Now taking cases throughout North Carolina with offices in Uptown Charlotte, Mooresville and Monroe.





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