When you’re considering bankruptcy, every dollar counts. One of the first questions we hear from Missouri residents is, “How much does it cost to file bankruptcy?” The answer can vary, but at A Bankruptcy Law Firm, LLC, we believe in keeping things clear, upfront, and affordable—no hidden fees or surprises.
This guide breaks down the costs to file Chapter 7 and Chapter 13 bankruptcy in Missouri. We’ll go over court fees, attorney fees, and required courses.
Chapter 7 Bankruptcy Costs in Missouri
Filing for Chapter 7 bankruptcy in Missouri comes with a few standard costs that every filer, no matter where they live, must pay. But what’s equally important is understanding what you’re getting for your money and how to plan for it.
Let’s break it down:
- Court Filing Fee: $338. This is a national fee required by the U.S. Bankruptcy Court, and it applies whether or not you decide to use an attorney (which is highly recommended)
- Attorney Fee: At our firm, we charge a flat rate of $561. This is a one-time fee that covers the full legal process, from paperwork to court representation.
- Required Courses: Bankruptcy law requires you to complete two educational courses—one before you file and one after. But when you work with us, we’ll cover the cost of the first course! The post-filing course can cost between $10 and $100.
The total estimated cost for filing Chapter 7 bankruptcy in Missouri is around $909 ($338 court fee + $561 attorney fee + $10 post-filing course), when you decide to use an attorney.
What Does the Attorney Fee Cover?
When you work with A Bankruptcy Law Firm, LLC, our flat-rate fee includes far more than filling out forms.
Our flat-rate fee covers every step of your Chapter 7 journey. We take care of the pre-filing credit counseling course at no cost to you and prepare all the necessary paperwork and court documents to ensure accuracy and compliance.
We’ll assess whether you meet the requirements of the Chapter 7 Means Test, which is key to determining your eligibility.
We will also represent you at your 341 Meeting of Creditors, a required court appearance where your creditors can ask questions about your case.
From your first call through the final discharge of your debts, you’ll receive ongoing legal advice so you’re never facing this process alone.
We believe in transparency, which is why we never spring hidden fees on our clients. If your case involves unique complications, we’ll explain any additional costs upfront before moving forward.
While you may file pro se (without an attorney), doing so is not recommended due to the complexity of the process and strict compliance requirements.
Payment Options: We understand that most clients considering bankruptcy are under financial strain. That’s why we offer flexible pre-filing payment plans to help you manage attorney fees over time. Due to legal reasons, all attorney fees must be paid before your Chapter 7 case is filed.
Chapter 13 Bankruptcy Costs in Missouri
Chapter 13 bankruptcy works differently from Chapter 7. It involves creating a court-approved repayment plan that lasts between 3 and 5 years. Because of this extended timeline, the cost structure also differs.
Here’s what to expect:
- Court Filing Fee: $313. This is a one-time fee set by the court.
- Attorney Fee: In Missouri, most firms, including ours, follow a court-approved flat fee of $4,600. The good news? You typically don’t pay this up front. Instead, it’s built into your repayment plan.
- Required Courses: We pay for your credit counseling course before you file. You will be responsible for the post-filing debtor education course, which ranges from $10 to $25.
The total estimated cost for filing Chapter 13 bankruptcy in Missouri is $4,923 (includes $313 court fee + $4,600 attorney fee + $25 education course), but it’s spread out over time.
Previously, the flat fee for attorneys was set at $4,000; however, as of May 1, 2025, the fee increased to $4,600.
How Attorney Fees Work in Chapter 13 Bankruptcy
You can often file Chapter 13 without paying anything upfront, which makes it a useful option for clients who need immediate relief but can’t cover a full attorney fee upfront.
Missouri courts follow a “no-look fee” policy, which sets the standard legal fee for a Chapter 13 bankruptcy at $4,600. As long as your case is relatively straightforward, this fee covers all the legal work associated with preparing and managing your repayment plan. Since it’s paid through your plan, it makes bankruptcy more accessible for people who need relief now but want to pay over time.
If your case involves unusual complexities, such as multiple properties or business debt, we’ll always let you know in advance if additional fees apply. You’ll never be charged without your consent.
Additional Bankruptcy Costs to Consider
While the basic fees are straightforward, there are a few extra expenses you might encounter along the way. However, many of them are avoidable or manageable with the right preparation.
Some additional bankruptcy fees to consider include:
- Document Fees or Copying Charges: If you need certified copies of court documents (like discharge orders or case certificates), the bankruptcy clerk’s office charges small fees—typically $0.50 to $1 per page. You may also need front-and-back copies of certain filings for your records.
- Service of Process Costs: In some situations, courts require that specific documents, such as adversary complaints or motions to lift the stay, be formally served by a third party. This can incur nominal charges, ranging from $50 to $100, depending on the service type and provider.
- Additional Court Motions or Hearings: Filing special motions, like a modification of your repayment plan, reaffirmation agreements, or appearing at an extra hearing, may require attorneys’ time beyond the base fee. We always inform you in advance if any extra legal fees apply.
- Credit Report or Appraisal Expenses: In rare scenarios, your trustee or the court may request an appraisal (for example, to determine home equity) or a credit report fee. Federal law lets filers keep a free annual credit report, and any appraisal or credit check fees are typically under $100. When you work with us, we can get all three credit reports for just $40 for individuals or $80 for married couples.
- Tax Transcript Fees: Should you need copies of your IRS transcripts to verify income and tax filings, a small fee of $10 may apply.
- Postage Fees: If mailing your documents to the court or your bankruptcy trustee, there are postage fees to consider. These can be around $7.
Can I Pay the Fees in Installments or Get a Waiver?
Yes, depending on your circumstances, there are ways to reduce or delay bankruptcy costs.
Installment Payments
If you’re concerned about how to afford the costs of bankruptcy, there are several payment options available.
For court filing fees, the court may allow you to pay in up to four monthly installments instead of all at once. Though this does require prior approval.
When it comes to Chapter 7 attorney fees, we offer pre-filing installment plans. This means you can make smaller, more manageable payments toward your total before your case is officially filed.
For Chapter 13 cases, the attorney fees are typically built into your repayment plan. This allows you to begin the bankruptcy process with little or nothing out of pocket and pay the legal costs gradually over three to five years.
Fee Waivers
If your income is below 150% of the federal poverty level and you cannot afford the court filing fee, you may apply for a fee waiver. Approval is not guaranteed, but we can help you assess whether you qualify and assist with the application process.
What Are the Benefits of Bankruptcy Attorney Fees?
Filing for bankruptcy can help you get your life back, get rid of your debt, and repair your credit. Having an experienced bankruptcy attorney on your team will ensure the best resolution possible. Your bankruptcy lawyer will handle every phase of the bankruptcy process. And when you work with a great bankruptcy attorney, they know the ins and outs of the legal code and can put that knowledge to work to protect as much of your property as possible.
If there are complications in your case, a good attorney is worth his weight in gold. For example, you may find that your creditors file motions to lift the automatic stay in your Chapter 13 bankruptcy. When this happens, whether you will be able to keep your assets hinges on your ability to file objections quickly, thoroughly, and accurately. And if you don’t have experience with this, it can be very confusing.
A Bankruptcy Law Firm, LLC, is here to help you get through this period of your life. When you hire us, you get the wisdom that comes with over a decade of helping people file for bankruptcy relief.
Bankruptcy Can Be Affordable and Life-Changing
Filing for bankruptcy may feel like a financial setback, but it’s actually a legal tool designed to help you move forward. With clear costs, transparent fees, and guidance every step of the way, we’re here to make that path as stress-free as possible.
At A Bankruptcy Law Firm, LLC, we’ve helped thousands of clients across Missouri find relief through both Chapter 7 and Chapter 13 filings. Let’s talk about how we can help you, too. Call (800) 7-BENSON or contact us online to schedule your free consultation today.
