Filing for bankruptcy in Tennessee and other states can cost up to $4,000 after accounting for filing and attorney fees. Those who are filing for Chapter 7 bankruptcy will pay a filing fee of $335 in addition to paying an attorney up to $1,500. Debtors who are seeking Chapter 13 protection will pay a filing fee of $310 in addition to up to $2,500 in attorney costs. Attorneys may charge more if a Chapter 13 proceeding is a complicated one.

The filing fee for a Chapter 7 case may be waived or paid in several installments. Those who switch from a Chapter 13 case to a Chapter 7 proceeding will be required to pay an additional $25 to cover the higher filing fee. There are two courses that individuals will likely need to take before their debts can be discharged. The first is a credit counseling course while the other is a debtor education class.

These classes will each cost up to $50, and the fee may be waived for those who can’t afford it. This is generally done by submitting income information to the course provider by mail or email. Those who can’t afford an attorney may be able to obtain services at a discounted rate or on a pro bono basis. Attorney fees may be rolled into the monthly plan payment in a Chapter 13 case.

Filing for bankruptcy may make it possible to put a stop to creditor phone calls or lawsuits. At the same time, it may provide an individual with a route to obtain debt relief in a timely manner. In a Chapter 7 case, debts may be discharged in a matter of weeks. An attorney may be able to help those who want to learn more about the bankruptcy process.