Q: What's the cost to file for Chapter 13 bankruptcy in NC?

A: Check the Bankruptcy Court's website (uscourts.gov) for a list of filing fees. The initial filing fee is the only fee for filing a chapter 13. In addition, there is a mandatory credit counseling course that you must take within the 6 months prior to filing any bankruptcy case. A list of approved providers in your area is also provided on the court's website. It is available online, for a nominal fee, and is so easy, most people think it's boring.

A: Yes. The filing fee is around $306 and the attorney fee can be anywhere from $3,000 to $4,100 in a chapter 13.

A: If you're planning to file for Chapter 13 bankruptcy in North Carolina, the current court filing fee is $313. This must be paid to the bankruptcy court when you file your petition, although in some cases you may be able to request to pay in installments. This fee covers the administrative and trustee surcharges set by federal law.

Beyond the filing fee, the most significant cost tends to be attorney's fees. While you're considering filing on your own, it's worth knowing that typical attorney fees for Chapter 13 in North Carolina range from about $3,000 to $4,500, depending on the complexity of your case and the district you're in. These fees are often paid through your repayment plan over three to five years rather than all at once.

There may also be required pre-filing and post-filing credit counseling courses. These usually cost between $10 and \$50 each, and both are mandatory. If you're low-income, you might qualify for a waiver or reduced fee.

You'll also need to consider costs for obtaining credit reports, pay stubs, and other documentation. Even if you handle the paperwork yourself, expect to spend money on printing, mailing, and attending hearings. Careful organization and attention to detail are critical to avoid dismissal or delays.