How Much Does It Cost To File Bankruptcy in Houston?

J Thomas Black
Board Certified, Consumer Bankruptcy Law- Texas Board of Legal Specialization

While different firms charge differently for their services, Mr. Black charges attorney fees for the simplest Chapter 7 cases starting at $2000, plus costs including the filing fee and other costs which total $480 for a single person, $510 for a couple.

A Chapter 7 case may be more, depending upon the number of creditors, the amount of debt, whether or not there is a business involved, what motions or extra actions are going to be necessary during the case, and other factors.

You can pay our fees for Chapter 7 out over time, and just pay a down payment followed by monthly payments. Once the entire fee is paid, we prepare the documents necessary to start your case, and you come into the office for a "signing" appointment, that generally takes about two hours.

For Chapter 13 cases, Mr. Black usually charges the "fixed fees" which are allowed by our local Bankruptcy Court. For a non-business case, our fees for Chapter 13 are $3825, plus costs. So long as you are a first time filer, not a business, and you have a regular job such that your plan payments can be made through a payroll deduction order, we currently charge only the costs to start a case, which are $380 for a single person, $410 for a couple. Our attorney fees in Chapter 13 are paid out of the monthly plan payments that you deposit with your Chapter 13 Trustee, so you don't pay us any fees directly, only through the Trustee.

Warning about shopping for attorneys only on price. Filing a bankruptcy is a serious, federal legal proceeding. We do not recommend that you go to court with the lowest bidder. Attorneys are not all the same. Our fees are reasonable. Our firm enjoys an excellent reputation, and we do a good job for our clients.

We also perform a "credit clean-up" for you following the bankruptcy at no additional charge, that can help your credit reports recover more quickly.

Not only that, but we provide you with a "credit rebuilding" course called "7 Steps to a 720 Credit Score" by Phillip Tirone. It can teach you how to rebuild a great credit score within 1- 2 years after your bankruptcy discharge. If you purchase this course yourself it can cost as much as $1000.00. But we license this course for all of our clients, and it is yours at no additional charge if you hire us for your bankruptcy case. 

Call our office for a free first consultation at 713-772-8037, and once we interview you and we know more about your case, we will give you a written fee agreement with a firm fee quote.