Bankruptcy Costs

How Much Does it Cost to File for Bankruptcy in Missouri?

Bankruptcy sounds bad, but the reality is that it can be your lifeline. In fact, you will not need to recover from bankruptcy. Rather, you will recover through bankruptcy. So, how much does it cost to file bankruptcy in Springfield, Missouri? Everyone we visit with is concerned about the financial cost of filing bankruptcy, which includes attorney fees and other expenses such as the court filing fee.

Most importantly, hiring attorneys who only file bankruptcy offers you both the highest quality of service, and the most efficient, which translates to the best “bang for your buck” for you, and is crucial to the success of your case. Remember, you get what you pay for, and at Debt Doctors of Missouri bankruptcy is ALL WE DO.

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The Cost of Filing Chapter 7 Bankruptcy

It is important to understand that the cost of a Chapter 7 bankruptcy in Springfield, Missouri depends on the facts of your individual case. Our pre-filing fee structure for the average Chapter 7 cases is very client-friendly, allowing a majority of our Chapter 7 clients to file their case for $937 (single) to $974 (married). The attorney reserves the right to request a higher pre-filing fee for more complicated cases. Please note that we accept payment arrangements for these fees, but the case is not filed until the pre-filing fees are paid.

By providing you with a low up-front filing cost, we can help you stop harassing phone calls, lawsuits, garnishments, and other intimidating actions by creditors sooner versus later. It’s easy to get started – simply pay an initial deposit of $300. We will then provide you a list of the paperwork we will need from you to file, and a phone number you can use to refer your creditors to our office. We can give you a letter template you can send to your creditors that will instruct them to stop calling you, your employer, and your relatives. Once you’ve paid the remainder of the pre-petition fee and have submitted the necessary paperwork to our office, we will prepare and file your case.

After your bankruptcy case is filed, creditors are legally mandated to stop all actions against you. This will free up your resources and remove a tremendous amount of stress from your life. The post-petition attorney fee can be paid in flexible monthly payments that cater to your budget. Simply put, we want to help get our clients the relief they need as quickly as they possibly can.

The Cost of Filing Chapter 13 Bankruptcy

The cost to file a Chapter 13 bankruptcy in Springfield, Missouri is pretty consistent from one attorney to the next in Missouri. What separates attorneys from each other in Chapter 13 is their up-front cost. We are proud to offer qualifying clients $99 dollars down on attorney fees plus expenses, which then allows you to file your case for less than $500-$600! This is the lowest Chapter 13 bankruptcy up-front filing cost of any bankruptcy attorney located in Springfield, Missouri.

A Chapter 13 reorganization also allows us to include the majority of your attorney fees into your plan payments, so that you can get the relief you need quickly and affordably. Although the up-front cost of each bankruptcy is based on the facts in your individual situation, most of the Chapter 13 cases that do not qualify for our $99 down rate are still filed for an attorney fee of $600, plus expenses, which allows your case to be filed for under $1,000 for an individual case. Even this option is only offered by a few attorneys in town!

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Filing for bankruptcy can provide long-term relief from unmanageable debt. It may be the best option if you're unable to manage your debt any other way. Bankruptcy frees you from most of your debts and gives you a fresh start in life without the burden of creditors constantly threatening you. If you're ready to get your finances back under control contact Debt Doctors of Missouri to set up an appointment today.

FAQ About Bankruptcy Costs in Missouri

What Are the Bankruptcy Court Filing Fees?

Bankruptcy court filing fees are set by federal law. Currently, the filing fee for Chapter 7 bankruptcy is $338, and the fee for Chapter 13 bankruptcy is $313. These fees are mandatory and paid directly to the court when your case is filed.

How Much Does Chapter 7 Bankruptcy Cost?

At Debt Doctors of Missouri, most Chapter 7 cases cost between $937 (single) and $974 (married) in pre-filing fees. This includes preparation, filing, and managing your case. For more complicated cases, fees may vary. A deposit of $300 allows us to start your case and stop creditor harassment right away.

How Much Does Chapter 13 Bankruptcy Cost?

For qualifying clients, Chapter 13 bankruptcy can be filed for as little as $99 down plus expenses, making the total cost under $500–$600 to get started. Other cases may require $600 plus expenses, but even then, costs remain affordable and often below $1,000 due to the inclusion of attorney fees in your repayment plan.

Will Inflation Affect the Cost to File Bankruptcy in Missouri?

While inflation impacts most industries, bankruptcy filing costs remain relatively stable since court fees and fee guidelines are regulated. Attorney fees may vary slightly over time, but at Debt Doctors of Missouri, we focus on keeping our services affordable for all clients.

What Other Bankruptcy Costs Should I Account For?

Beyond court and attorney fees, you may need to budget for mandatory pre-filing credit counseling and post-filing financial education courses, which typically cost $25–$50 each. Additionally, consider potential costs for obtaining necessary paperwork, like credit reports or bank statements.

Regain control of your financial future with the support of the Debt Doctors of Missouri. Our team specializes in bankruptcy and is dedicated to helping you find relief from debt and regain stability. While discussing bankruptcy or debt relief may feel difficult, it’s far less challenging than facing ongoing financial struggles without understanding your legal rights.  That’s why we offer a free, confidential consultation with a Missouri bankruptcy attorney who has helped countless individuals, couples, and businesses achieve real financial healing and a fresh start. Contact us today to discuss your case and the options available. 

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