Filing for bankruptcy can be a life-changing decision. It can help wipe out overwhelming debt, stop creditor harassment, and give you a fresh start. But many people wonder—how much does it actually cost to file for bankruptcy in Nebraska?
There are a few main expenses to consider: court filing fees, attorney fees, and mandatory credit counseling courses. These costs can vary based on the type of bankruptcy you file, whether you hire a lawyer, and your individual financial situation. Here’s what you can expect.
Court Filing Fees
The first cost you’ll face is the court filing fee. This is a standard fee that must be paid when you file your bankruptcy paperwork with the court.
- Chapter 7 Bankruptcy: The filing fee is $338. This includes all the necessary administrative and trustee fees.
- Chapter 13 Bankruptcy: The filing fee is $313. This is slightly less because of how repayment plans are structured under Chapter 13.
These fees must be paid to the court when your case is filed. However, if you can’t pay the full amount upfront, you may be allowed to break the cost into smaller payments. In some cases, you might qualify for a fee waiver based on your income.
Attorney Fees
While it’s possible to file bankruptcy on your own (called filing “pro se”), most people hire a bankruptcy attorney to make sure everything is done right. Mistakes in your paperwork could lead to delays, dismissed cases, or even losing property you could have kept.
Here’s a general breakdown of what you might pay for an attorney in Nebraska:
- Chapter 7 Bankruptcy: Attorney fees usually range from $1,800.00 to $2,500.00, depending on how complicated your case is, where you live, and how experienced the attorney is.
- Chapter 13 Bankruptcy: Attorney fees are often higher—usually around $4,700.00—but the good news is you don’t have to pay it all at once. In most cases, the fees are built into your repayment plan and paid over time.
Even though attorney fees can seem expensive, having a skilled lawyer guide you through the process can save you time, stress, and potential legal trouble down the road.
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Mandatory Credit Counseling Courses
Anyone who files for bankruptcy is required to complete two financial courses:
- Credit Counseling Course – This must be completed before you file. It helps you understand your financial situation and explore alternatives to bankruptcy.
- Debtor Education Course – This must be completed after you file, before your debts can be officially discharged. It focuses on budgeting and financial management to help you avoid future financial problems.
Each course costs around $15 to $25, and they can often be completed online in just an hour or two.
Additional Expenses
There may be a few other small costs to consider, such as:
- Credit Reports – You may need to pull a full credit report to make sure all your debts are included. These usually cost around $45.00 to $90.00 (Joint case).
- Document Copies or Notary Fees – These are small costs that can add up, depending on how much paperwork you need to submit.
Fee Waivers and Payment Plans
If you are struggling to afford the upfront costs of filing for bankruptcy, there are options. If your income is low enough (usually below 150% of the federal poverty level), you may qualify for a fee waiver for the court filing fee. You can also ask the court to allow you to pay in installments.
Attorney fees are usually not waived, but some lawyers may offer payment plans, especially for Chapter 7 cases. Chapter 13 cases often include attorney fees in the repayment plan itself, so you don’t have to pay them all at once.
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An Investment in Your Future
The price of filing for bankruptcy can feel intimidating, especially when you’re already dealing with debt. But compared to the emotional and financial stress of living paycheck to paycheck, dodging debt collectors, and feeling buried by bills, bankruptcy can be a wise investment in your peace of mind.
You’re not just paying for paperwork—you’re paying for a second chance. The relief that comes from wiping out debt and getting a clean slate is something money can’t buy. Many people report better sleep, less anxiety, and a renewed sense of hope once their bankruptcy case is complete.
If you’re feeling overwhelmed by debt and considering bankruptcy, the team at McGuire Law Offices is ready to help. Contact us today at 402-965-0775.
