Bankruptcy / Illinois / Cost

Understand the Cost to File Bankruptcy in Illinois

Written by Ben Tejes
Updated Dec 1st, 2021

If you are like me, you probably wonder how you can afford the cost of bankruptcy in Illinois 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 Chicago or Aurora. 

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

  1. Bankruptcy Attorney Fees
  2. Bankruptcy Filing Costs

Estimate the Bankruptcy Attorney Fees in Your Zip Code

We received the question of how much a bankruptcy costs in Illinois so often that we built a database of attorney fees. Use your zip code below to estimate the cost of bankruptcy in your city in Illinois.

1. Bankruptcy Attorney Fees Illinois

A Chapter 7 Bankruptcy is often less expensive than Chapter 13 bankruptcy. Chapter 7 bankruptcy attorneys in Illinois can cost between $1075 - $2000. The cost may increase or decrease based on complexity and location.

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

Attorney Fees in Chicago

Chicago is the most populated city in Illinois with a population of 2,705,994. Bankruptcy attorneys in Chicago can cost an estimated $1,170.

Attorney Fees in Aurora

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

Attorney Fees in Naperville

Bankruptcy attorneys in Naperville can cost an estimated $1,075.

2. Chapter 13 Bankruptcy Attorney Fees Illinois

Chapter 13 bankruptcy attorneys in Illinois can cost $3500 - $3800. 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 Illinois. 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 Illinois 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

  • 219 South Dearborn Street
    Chicago, IL 60604
  • 327 South Church Street
    Rockford, IL 61101

Central District

  • 305 U.S. Courthouse
    100 N.E. Monroe Street
    Peoria, IL 61602
  • 218 U.S. Courthouse
    201 S. Vine Street
    Urbana, IL 61802
  • 151 U.S. Courthouse
    600 E. Monroe Street
    Springfield, IL 62701
  • U.S. District Court
    Rock Island Division
    131 E. 4th Street, Room 250
    Davenport, IA 52801

Southern District

  • 301 West Main Street
    Benton, IL 62812*
    (618) 439-7760
  • 750 Missouri Avenue
    East St. Louis, IL 62201
    (618) 482-9371