Bankruptcy / Tennessee / Cost

Understand the Cost to File Bankruptcy in Tennessee

Written by Ben Tejes
Updated Oct 21st, 2021

If you are like me, you probably wonder how you can afford the cost of bankruptcy in Tennessee 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 Nashville or Memphis. 

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 Tennessee

A Chapter 7 Bankruptcy is often less expensive than Chapter 13 bankruptcy. Chapter7 bankruptcy attorneys in Tennessee can cost between $1000 - $1500. The cost may increase or decrease based on complexity and location.

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

Attorney Fees in Nashville

Nashville is the most populated city in Tennessee with a population of 681,928. Bankruptcy attorneys in Nashville can cost an estimated $1,200.

Attorney Fees in Memphis

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

Attorney Fees in Knoxville

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

2. Chapter 13 Bankruptcy Attorney Fees Tennessee

Chapter 13 bankruptcy attorneys in Tennessee 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 Tennessee. 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 Tennessee 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

  • 220 West Depot Street, Suite 200
    Greeneville, Tennessee 37743


  • 801 Broadway, Room 800
    Nashville, TN 37203
  • 815 South Garden Street
    Columbia, TN 38401


  • 167 N. Main Street
    Room 242
    Memphis, TN 38103
  • 111 South Highland Avenue
    Room 262
    Jackson, TN 38301