Bankruptcy / North Carolina / Cost

Understand the Cost to File Bankruptcy in North Carolina

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 North Carolina 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 Charlotte or Raleigh. 

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 North Carolina

Bankruptcy attorneys in North Carolina can cost between $900 - $1550. The cost may increase or decrease based on complexity and location.

Here are some of the ranges of cost in major cities in North Carolina.

Attorney Fees in Charlotte

Charlotte is the most populated city in North Carolina with a population of 882,367. Bankruptcy attorneys in Charlotte can cost an estimated $1,125.

Attorney Fees in Raleigh

Bankruptcy attorneys in Raleigh can cost an estimated $1,000.

Attorney Fees in Greensboro

Bankruptcy attorneys in Greensboro can cost an estimated $1,500.

2. Chapter 13 Bankruptcy Attorney Fees North Carolina

Chapter 13 bankruptcy attorneys in North Carolina can cost $3,700. 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 North Carolina. 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 North Carolina 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:

Eastern District

  • Clerk of Court
    PO Box 25670
    Raleigh, NC 27611

Middle

  • 324 W. Market Street
    Greensboro, NC 27401-2544
  • 251 N. Main Street
    Winston-Salem, NC 27101
  • 323 E. Chapel Hill Street
    Durham, NC 27702

Western

  • 401 West Trade Street, Room 210
    Charlotte, NC 28202
  • 100 Otis Street, Room 309
    Asheville, NC 28801
  • 200 West Broad Street, Room 304
    Statesville, NC 28677