Filing bankruptcy can be a tough decision to make. It involves a lot of paperwork and legalities, not to mention the financial implications that come with it. However, sometimes it’s the best option for individuals and businesses struggling with insurmountable debt. If you are living in Florida and you’re considering filing for bankruptcy, one of the first things you might be wonderingincluding attorney fees, court fees, and other expenses, is how much does it cost to file bankruptcy in Florida.
Bankruptcy Filing Fees

Court Fees
In addition to attorney fees, you’ll also need to pay court fees when filing for bankruptcy in Florida. These fees are set by the court and are non-negotiable. The fees may vary depending on the type of bankruptcy you’re filing for and whether you’re filing as an individual or a business.
As of 2021, the court fees for filing for bankruptcy in Florida are as follows:
Chapter 7: $338
Chapter 13: $313
It’s important to note that these fees are subject to change, so be sure to check with the court or your attorney for the most up-to-date information.
Credit Counseling and Debtor Education Courses
Before you can file for bankruptcy in Florida, you must complete two courses: a credit counseling course and a debtor education course. These courses are designed to help you understand your financial situation, develop a budget, and learn how to manage your finances in the future.
The credit counseling course must be completed within 180 days before filing for bankruptcy, and the debtor education course must be completed after filing but before your debts are discharged. The cost of these courses varies depending on the provider, but they typically cost between $20 and $50 each.
Attorney Fees
The first cost you’re likely to encounter when filing for bankruptcy in Florida is attorney fees. While it is possible to file for bankruptcy without an attorney, it’s not recommended. Bankruptcy law is complex, and making mistakes on your petition can have serious consequences. An experienced bankruptcy attorney can help you navigate the process and ensure that everything is filed correctly.
The cost of hiring a bankruptcy attorney will depend on several factors, including the complexity of your case and the attorney’s experience. Some attorneys charge a flat fee for bankruptcy cases, while others charge an hourly rate. According to a survey by Nolo, the average cost of hiring a bankruptcy attorney in Florida ranges from $1,200 to $1,500 for a Chapter 7 case and $2,500 to $3,500 for a Chapter 13 case.
Other Expenses
In addition to the costs mentioned above, there may be other expenses associated with filing for bankruptcy in Florida. These could include:
- Filing fees for additional documents or motions
- Costs associated with selling assets to pay off debts
- Appraisal fees to determine the value of your assets
- Fees for obtaining credit reports or other financial records
These expenses can add up quickly, so it’s important to budget accordingly and work with your attorney to identify any potential costs upfront.
Alternatives to Bankruptcy

There are several alternatives to bankruptcy that individuals and businesses can explore before filing for bankruptcy. One option is debt consolidation, which involves combining all debts into one payment with a lower interest rate. Another option is debt settlement, where negotiations are made with creditors to accept a lower amount than the total debt owed. Credit counseling can also be helpful in creating a budget and managing debt. For businesses, restructuring and selling assets can be viable options. It is important to explore all alternatives before filing for bankruptcy, as it can have long-lasting impacts on credit and financial stability.
Debt Consolidation Loans
Debt consolidation loans are a type of loan that enables individuals to consolidate all their debts into one single loan with a single payment. This type of loan is particularly useful for individuals with multiple debts, such as credit card debts, personal loans and other unsecured debts. With a debt consolidation loan, the borrower can combine all their debts into one loan, which can help them to better manage their finances and reduce their monthly payments.
Bankruptcy vs Debt Consolidation
Bankruptcy and debt consolidation are two options available to individuals who are struggling with debt. Bankruptcy is a legal process that allows an individual to discharge their debts and start fresh. However, it has long-term consequences that can affect an individual’s credit for up to 10 years. Debt consolidation, on the other hand, involves taking out a new loan to pay off multiple debts.
This can lower monthly payments and interest rates, but it does not eliminate the debt entirely. It is important to carefully consider the pros and cons of both options before making a decision. Ultimately, it is recommended to seek the advice of a financial professional to determine the best course of action for your specific situation.
How Much Does It Cost to File Bankruptcy in Florida? Conclusion
Filing for bankruptcy in Florida can be a complex and expensive process, but it’s important to remember that it’s not the end of the road. Bankruptcy can provide a fresh start and help you get back on your feet financially. If you’re considering filing for bankruptcy, be sure to work with an experienced attorney who can guide you through the process and help you understand all the costs associated with filing. By being prepared and informed, you can make the best decision for your financial future.
FAQs

What is the average cost of filing for bankruptcy in Florida?
The average cost of filing for bankruptcy in Florida ranges from $1,500 to $3,500.
How much does it cost to file for Chapter 7 bankruptcy in Florida?
The filing fee for Chapter 7 bankruptcy in Florida is $335. However, attorney fees can range from $1,000 to $2,500.
What is the cost to file for Chapter 13 bankruptcy in Florida?
The filing fee for Chapter 13 bankruptcy in Florida is $310. Attorney fees for Chapter 13 bankruptcy can range from $3,000 to $6,000.
Are there any additional costs associated with filing for bankruptcy in Florida?
Yes, there may be additional costs such as credit counseling fees, debtor education fees, and court fees.
Can I file for bankruptcy without an attorney in Florida?
Yes, you can file for bankruptcy without an attorney in Florida. However, the process can be complex and it is highly recommended to seek legal advice.
How can I afford to file for bankruptcy in Florida if I cannot afford the fees?
You may be able to qualify for a fee waiver or payment plan through the court. It is best to discuss your options with a bankruptcy attorney.
How long does it take to complete the bankruptcy process in Florida?
The bankruptcy process can take anywhere from 3 to 6 months for Chapter 7 and 3 to 5 years for Chapter 13.
Will filing for bankruptcy affect my credit score in Florida?
Yes, filing for bankruptcy will negatively affect your credit score. However, it may also provide an opportunity to rebuild your credit in the future.
What types of debts can be discharged through bankruptcy in Florida?
Most unsecured debts such as credit card debt, medical bills, and personal loans can be discharged through bankruptcy. However, certain debts such as student loans and taxes may not be dischargeable.
Can bankruptcy stop foreclosure or repossession in Florida?
Yes, filing for bankruptcy can stop foreclosure or repossession in Florida through an automatic stay. However, it is important to discuss your options with an attorney as there may be other factors to consider.
Glossary
- Bankruptcy: A legal process where individuals or businesses can eliminate or repay their debts under the protection of the federal bankruptcy court.
- Chapter 7 Bankruptcy: A type of bankruptcy that liquidates your assets to pay off your debts.
- Chapter 13 Bankruptcy: A type of bankruptcy that restructures your debts and creates a payment plan over a period of time.
- Bankruptcy Petition: The official document that initiates the bankruptcy process.
- Bankruptcy Trustee: The court-appointed individual who oversees the bankruptcy case and liquidates assets in Chapter 7 or supervises the payment plan in Chapter 13.
- Bankruptcy Discharge: The legal release of debt obligations that occurs at the end of a successful bankruptcy case.
- Bankruptcy Filing Fee: The cost to file a bankruptcy petition with the court.
- Bankruptcy Attorney: A lawyer who specializes in bankruptcy law and can guide you through the bankruptcy process.
- Means Test: A calculation used to determine if you qualify for Chapter 7 bankruptcy based on your income and expenses.
- Exemptions: Certain assets that are protected from being liquidated during bankruptcy.
- Credit Counseling: A required course that individuals must take before filing for bankruptcy.
- Debtor: An individual or business who owes money to creditors.
- Creditor: A person or entity to whom money is owed.
- Automatic Stay: A court order that immediately stops creditors from pursuing collection actions against you once you file for bankruptcy.
- Bankruptcy Court: The federal court that handles bankruptcy cases.
- Bankruptcy Code: The federal law that governs bankruptcy cases.
- Reaffirmation Agreement: A legal agreement that allows you to keep certain secured debts and continue making payments on them after bankruptcy.
- Adversary Proceeding: A separate lawsuit filed within the bankruptcy case, often to determine the dischargeability of certain debts.
- Bankruptcy Dismissal: The termination of a bankruptcy case before it is completed.
- Bankruptcy Reorganization: The process of restructuring a business’s debts in order to continue operating while repaying creditors.
- Bankruptcy Lawyer: An attorney who specializes in representing individuals or businesses that are unable to pay their debts and need legal assistance in navigating the bankruptcy process.
- Law firm: A business entity that provides legal services to individuals, organizations, or governments through its team of lawyers and legal experts.