Bankruptcy / Florida / Cost

Understand the Cost to File Bankruptcy in Florida

Written by Ben Tejes
Updated Sep 3rd, 2021

If you are like me, you probably wonder how you can afford the cost of bankruptcy in Florida when it’s difficult to pay bills. Many bankruptcy costs such as the filing fee and the credit counseling courses are relatively similar. That said, the cost of bankruptcy attorney fees may range dramatically whether you are in Jacksonville or Miami. 

The purpose of this article is to provide you with estimated all-in costs:

  1. Bankruptcy Attorney Fees
  2. Bankruptcy Filing Costs

1. Bankruptcy Attorney Fees Florida

Bankruptcy attorneys in Florida can cost between $1000 - $3000. The cost may increase or decrease based on complexity and location.

Here are some of the ranges of cost in major cities in Florida.

Attorney Fees in Jacksonville

Jacksonville is the most populated city in Florida with a population of 907,953. Bankruptcy attorneys in Jacksonville can cost an estimated $2,000.

Attorney Fees in Miami

Bankruptcy attorneys in Miami can cost an estimated $1,800.

Attorney Fees in Orlando

Bankruptcy attorneys in Orlando can cost an estimated $2,500.

2. Chapter 13 Bankruptcy Attorney Fees Florida

Chapter 13 bankruptcy attorneys in Florida can cost $3500 - $4000. The fee can depend on the district.

While Chapter 7 attorney fees have variability, many Chapter 13 fees are relatively similar based on no-look fees, a reasonable cost for the service provided. You may still want to see whether the attorney charges an hourly rate for any additional work after filing the Chapter 13

3. Bankruptcy Filing Costs

Bankruptcy filing costs are pretty similar across the United States, not just Florida. Here are the other costs to consider. 

Bankruptcy Filing Fees

The US Courthouse has a fee schedule and a bankruptcy form that provides the filing fee. 

The Chapter 7 bankruptcy filing fee is $338 ($245 filing fee $78 administrative fee + $15 trustee surcharge).

The Chapter 13 bankruptcy filing fee is $313 ($235 filing fee + $78 administrative fee).

Mandatory Course Costs

When you file bankruptcy, you have to take an approved credit counseling course in Florida and a debtor education course. You can often take both courses online. The average cost may is around $10 to $50 per course.

Miscellaneous Costs

You may have to pay for transportation to the meeting of creditors at the courthouse. You may also have to pay for a credit report for your attorney (although they may be able to help you with the credit report).

You can estimate the cost of transportation to one of the bankruptcy courts below:

Northern District

  • United States Courthouse
    401 SE First Ave.
    Gainesville, FL 32601
  • U.S. Courthouse
    One North Palafox St.
    Pensacola, FL 32502

Middle District

  • 2110 First Street
    Fort Myers, Florida 33901
  • 300 North Hogan Street
    Jacksonville, Florida 32202
  • 207 Northwest Second Street
    Ocala, Florida 34475
  • 401 West Central Boulevard
    Orlando, Florida 32801
  • 801 North Florida Avenue
    Tampa, Florida 33602

Southern District

  • 400 North Miami Avenue
    Miami, FL 33128
  • 299 East Broward Boulevard #108
    Fort Lauderdale, FL 33301
  • 701 Clematis Street, Room 202
    West Palm Beach, FL 33401
  • 101 South U.S. Highway 1, Room #1016
    Ft. Pierce, FL 34950
  • 301 Simonton Street
    Key West, FL 33040