How Much Does It Cost to File Bankruptcy in Utica?

Utica Bankruptcy Costs Vary

When it comes to filing bankruptcy, one concern that many people have is the cost. Keep in mind that based on the exact type of bankruptcy that you file, the cost will vary. In other words, the amount you spend will depend on if you file a Chapter 7 or Chapter 13 bankruptcy.

For the cost of bankruptcy, you are responsible for paying filing fees, which typically run about $300. However, under a new law, there is a mandate that you complete a “Credit Counseling” course as well. In addition, you may be required to take a “Debtor Education” course once you file. These courses usually range between $25 and $150 each.


Your Utica bankruptcy lawyer may also need to obtain copies of several documents, such as a recent credit report, titles to vehicles, recorded deed and mortgage to your home, two years of tax returns, and seven months of paystubs. You are also responsible for paying the cost of pulling the credit report and making photocopies of the other documents.

Your Utica bankruptcy attorney will also advise if the court requires a lien on your home, which would involve additional legal fees. As you sit down to discuss your particular case, the attorney will not only offer legal advice pertaining to expenses but also go over all the details associated with the process.

The bottom line is that the amount you pay to file bankruptcy will depend on your specific case. However, in exchange for paying the fees, remember that you will ultimately pay less than if you paid off all the debt involved. Therefore, stay focused more on being debt free as opposed to the cost of filing bankruptcy.

Don’t wait

If you need more information about filing bankruptcy or perhaps want to book a consultation with one of our attorneys, please contact us at 855-269-2889. The Utica team of Harris-Courage & Grady Solutions can answer all of your questions. If you are concerned about having money upfront, we do accept payment installations. Of course, your confidential phone call is always free and at no obligation.

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