Texas Bankruptcy Filing Fees: Costs and Payment Options
Filing for bankruptcy in Texas can provide relief for individuals and businesses facing overwhelming debt. Understanding the costs associated with bankruptcy, including court filing fees, attorney fees, and additional expenses, is essential for making an informed decision.
How Much Does It Cost to File Bankruptcy in Texas?
The cost of filing bankruptcy in Texas includes both mandatory court fees and other related expenses.
Court Filing Fees in Texas (2024)
| Bankruptcy Type | Court Filing Fee |
|---|---|
| Chapter 7 | $338 |
| Chapter 13 | $313 |
These fees are set by the U.S. Bankruptcy Court and are uniform across all districts in Texas.
Additional Costs to Consider
- Credit Counseling Course – $20–$50 (required before filing)
- Debtor Education Course – $10–$50 (required after filing)
- Attorney Fees – Typically range from $1,000 to $3,500+, depending on case complexity
- Bankruptcy Trustee Fees – Varies based on the type of bankruptcy
If paying the full fee upfront is not feasible, there are options such as fee waivers and installment payment plans.
Can You Waive Bankruptcy Fees in Texas?
For those with low income, it is possible to request a fee waiver for Chapter 7 bankruptcy.
Eligibility for a Bankruptcy Fee Waiver
A waiver may be granted if household income is below 150% of the federal poverty level.
| Household Size | 150% Poverty Level (2024) |
|---|---|
| 1 Person | $21,870 |
| 2 People | $29,580 |
| 3 People | $37,290 |
| 4 People | $45,000 |
Those who qualify can submit Form 103B (Application to Have the Chapter 7 Filing Fee Waived) along with their bankruptcy petition.
Payment Options for Bankruptcy Fees in Texas
If a waiver is not an option, several payment methods can help manage the costs.
Installment Payment Plan
The U.S. Bankruptcy Court allows filers to pay fees in up to four installments over 120 days. To request this option:
- File Form 103A (Application to Pay Filing Fee in Installments)
- Pay the first installment at the time of filing
- Complete payments within four months
Low-Cost or Pro Bono Legal Assistance
Several organizations in Texas offer free or reduced-cost bankruptcy services, including:
- Legal Aid of Northwest Texas (www.lanwt.org)
- Texas RioGrande Legal Aid (www.trla.org)
- Lone Star Legal Aid (www.lonestarlegal.org)
Chapter 13 Bankruptcy: Roll Fees into the Repayment Plan
For Chapter 13 bankruptcy, some attorney fees and court costs may be included in the repayment plan, reducing the immediate financial burden.
FAQs About Texas Bankruptcy Fees
What is the most affordable way to file for bankruptcy in Texas?
Filing for Chapter 7 bankruptcy with a fee waiver is the least expensive option. If approved, court fees are eliminated.
Can a credit card be used to pay bankruptcy filing fees?
No, court fees cannot be paid using a credit card. However, debit cards, money orders, and cashier’s checks are accepted.
Are attorney fees higher in certain Texas cities?
Yes, attorney fees tend to be higher in major metropolitan areas such as Houston, Dallas, and Austin compared to smaller towns.
What happens if bankruptcy fees cannot be paid?
If paying fees is difficult, options include applying for an installment plan, seeking pro bono legal assistance, or requesting a fee waiver.
Why Choose Kisch Consumer Law for Bankruptcy Filing?
Kisch Consumer Law provides guidance and legal support for bankruptcy filers in Texas.
- Affordable payment plans to help manage costs
- Experienced attorneys with a deep understanding of Texas bankruptcy laws
- Personalized legal strategies based on individual financial situations
- Comprehensive support, from filing paperwork to court representation
More details are available at Kisch Consumer Law.
Final Thoughts: Is Filing Bankruptcy in Texas Worth It?
Bankruptcy can be an effective solution for debt relief, but understanding the costs and payment options is crucial. With the availability of fee waivers, installment plans, and legal aid services, the financial barriers to filing can be managed effectively.
For those considering bankruptcy, it is advisable to explore available options and consult a legal expert. Kisch Consumer Law offers tailored guidance to navigate the process. More information is available at Kisch Consumer Law.