Fees and costs to file an Oregon Bankruptcy

Bankruptcy Court Filing fees: 

Chapter 7:  $299.00.  Chapter 13:  $274.00

The average attorney fee I charge for a routine chapter 7 without contested matters or adversary proceedings is currently $979. This price includes a 2 source credit report and a public record search done by Credit Infonet to look for lawsuits and judgments. It also has a current credit score and 12 month post-bankruptcy credit score prediction. The fee for a specific case depends on the client's specific facts, their income level (above or below the median income) and whether or not the case will have assets that will be claimed by the Trustee. Also, if the client wishes to reaffirm a debt such as a car or home there may be a modest additional charge to prepare the necessary documents.   After our initial free bankruptcy consultation I will quote you a firm fee. If you do not think the fee quote is fair, you will owe me nothing for the consultation.  The minimum retainer to get started on your chapter 7 case is usually $250.00. In most chapter 7 cases the balance of the attorney fee and filing fee needs to be paid prior to the filing of your case. 

The average fee for a chapter 13 case is between $2,200-$2,500. Why so much higher? Because of the larger amount of work required of the lawyer in a chapter 13 and the fact that the  attorney can be representing the client for as long as five years.  However, these fees do not need to be paid in advance for most cases. In Oregon chapter 13 Bankruptcy cases, the majority of the attorney's fees will be paid as part of the chapter 13 payment plan. So, the attorney's fees can be spread out over a long period of time. The down payment required to start a chapter usually runs $300-$500 but can be higher in some cases. In very limited circumstances you may be able to file with no money down.  Please contact me for details about chapter 13 fees.