Bankruptcy / New Jersey / Cost

Understand the Cost to File Bankruptcy in New Jersey

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 New Jersey 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 Newark or Jersey City. 

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 New Jersey 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 New Jersey.

1. Bankruptcy Attorney Fees New Jersey

A Chapter 7 Bankruptcy is often less expensive than Chapter 13 bankruptcy. Chapter 7 bankruptcy attorneys in New Jersey can cost between $1000 - $2800. The cost may increase or decrease based on complexity and location.

Here are some of the ranges of cost in major cities in New Jersey.

Attorney Fees in Newark

Newark is the most populated city in New Jersey with a population of 282,090. Bankruptcy attorneys in Newark can cost an estimated $1,170.

Attorney Fees in Jersey City

Bankruptcy attorneys in Jersey City can cost an estimated $1,300.

Attorney Fees in Paterson

Bankruptcy attorneys in Paterson can cost an estimated $1,375.

2. Chapter 13 Bankruptcy Attorney Fees New Jersey

Chapter 13 bankruptcy attorneys in New Jersey can cost $4,500. 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 New Jersey. 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 New Jersey 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:

District of New Jersey

  • 4th & Cooper Streets
    Camden, NJ 08101
  • 50 Walnut Street
    Newark, NJ 07102
  • 402 East State Street
    Trenton, NJ 08608