Bankruptcy / New York / Cost

Understand the Cost to File Bankruptcy in New York

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 New York 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 New York City or Buffalo. 

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 New York

Bankruptcy attorneys in New York can cost between $1170 - $1950. The cost may increase or decrease based on complexity and location.

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

Attorney Fees in New York City

New York City is the most populated city in New York with a population of 8,879,928. Bankruptcy attorneys in New York City can cost an estimated $1,950.

Attorney Fees in Buffalo

Bankruptcy attorneys in Buffalo can cost an estimated $1,450.

Attorney Fees in Rochester

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

2. Chapter 13 Bankruptcy Attorney Fees New York

Chapter 13 bankruptcy attorneys in New York can cost $3500 - $7500. 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 York. 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 York 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

  • Suite 509
    445 Broadway
    Albany, NY 12207
  • Binghamton U.S. Courthouse
    15 Henry St.
    Binghamton, NY 13901
  • The Gateway Building
    14 Durkee St.
    Plattsburgh, NY 12901
  • 100 S. Clinton St.
    Syracuse, NY 13261
  • 10 Broad St.
    Utica, NY 13501

Southern

  • 500 Pearl Street
    New York, New York 10007
  • 300 Quarropas Street
    White Plains, New York 10601

Eastern

  • 225 Cadman Plaza East
    Brooklyn, NY 11201
  • 100 Federal Plaza
    Central Islip, NY 11722`

Western

  • 2 Niagara Square
    Buffalo, NY 14202
  • 100 State Street
    Rochester, NY 14614