Bankruptcy / Iowa / Cost

Understand the Cost to File Bankruptcy in Iowa

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 Iowa 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 Des Moines or Cedar Rapids. 

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 Iowa

Bankruptcy attorneys in Iowa can cost between $1170 - $1500. The cost may increase or decrease based on complexity and location.

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

Attorney Fees in Des Moines

Des Moines is the most populated city in Iowa with a population of 216,853. Bankruptcy attorneys in Des Moines can cost an estimated $1,170.

Attorney Fees in Cedar Rapids

Bankruptcy attorneys in Cedar Rapids can cost an estimated $1,170.

Attorney Fees in Davenport

Bankruptcy attorneys in Davenport can cost an estimated $1,125.

2. Chapter 13 Bankruptcy Attorney Fees Iowa

Chapter 13 bankruptcy attorneys in Iowa can cost $3,000. 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 Iowa. 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 Iowa 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

  • U.S. District Court
    Northern District of Iowa
    111 Seventh Avenue SE
    Cedar Rapids, IA 52401-2101
  • U.S. District Court
    Northern District of Iowa
    320 6th Street
    Sioux City, IA 51101
    (712) 233-3900


  • U.S. District Courthouse
    123 East Walnut Street
    Des Moines, IA 50309
  • U.S. District Courthouse
    131 East 4th Street
    Davenport, IA 52801
  • U.S. District Courthouse
    8 South 6th Street
    Council Bluffs, IA 51501