How Much Does It Cost to File Bankruptcy in Georgia in 2025?

How much does it cost to file bankruptcy in Georgia in 2025? It’s one of the most common questions our clients at SJK Law Firm ask when facing overwhelming debt. Whether you’re considering Chapter 7 or Chapter 13, understanding the full cost breakdown: court fees, attorney fees, required courses, and other expenses can help you make smart, confident financial decisions. This guide covers everything you need to know, with transparent pricing and clear guidance based on Georgia’s latest 2025 bankruptcy data.

The answer depends on your situation. Bankruptcy isn’t one-size-fits-all. Costs vary based on the chapter you file under (Chapter 7 or Chapter 13), the complexity of your case, and whether you qualify for fee waivers or installment plans. You’ll also need to factor in court filing fees, attorney fees, required courses, and some additional expenses that most people overlook.

At SJK Law Firm, we believe transparency matters. In this guide, we break down the actual costs of filing for bankruptcy in Georgia in 2025; so you can make confident, informed decisions about your financial future. Whether you’re considering a fresh start through Chapter 7 or need a structured repayment plan through Chapter 13, this page gives you a clear understanding of what to expect.

Let’s look at the numbers; and what they mean for you.

What Is the Average Cost to File Bankruptcy in Georgia?

If you’re wondering how much bankruptcy actually costs in Georgia, here’s the bottom line:

• Chapter 7 bankruptcy typically costs between $1,358 and $3,238
• Chapter 13 bankruptcy usually ranges from $3,333 to $6,213

These numbers include court filing fees, attorney fees, required credit counseling and education courses, and miscellaneous costs like credit reports or travel. The total you pay will depend on your income, the complexity of your case, whether you’re filing individually or jointly, and what kind of legal help you choose.

Here’s a quick side-by-side comparison of the estimated costs in Georgia for 2025:

Expense Category	Chapter 7	Chapter 13
Court Filing Fee	$338	$313
Attorney Fees	$1,000 – $2,500	$3,000 – $5,500
Required Courses	$20 – $100	$20 – $100
Miscellaneous Costs	$0 – $300	$0 – $300
Total Estimated Cost	$1,358 – $3,238	$3,333 – $6,213

Keep in mind that many Chapter 13 attorneys in Georgia; including SJK Law Firm; allow you to begin your case with little or no money down, with legal fees paid through your repayment plan over time. In contrast, Chapter 7 often requires more upfront payment unless you qualify for a fee waiver or payment arrangement.

In the next sections, we’ll walk through each component of these costs in more detail, so you’ll know exactly where your money is going; and how to reduce your out-of-pocket expenses where possible.

Bankruptcy Filing Fees in Georgia (Chapter 7 vs. Chapter 13)

One of the first; and most consistent; expenses when filing for bankruptcy is the court filing fee. These are federally set fees, which means they are the same whether you’re filing in Atlanta, Savannah, Augusta, or anywhere else in Georgia.

• Chapter 7 bankruptcy filing fee: $338
• Chapter 13 bankruptcy filing fee: $313

These fees include administrative costs and a trustee surcharge, and they are paid directly to the bankruptcy court when your case is filed.

Can You Waive or Delay the Bankruptcy Filing Fee?

Yes, in some cases. Here’s how it works:

• Fee Waiver for Chapter 7: If your household income is below 150% of the federal poverty level, you may be eligible for a full fee waiver. This must be approved by the court, and your attorney can help you file the request.
• Installment Plans for Chapter 7 or Chapter 13: If you’re not eligible for a waiver but can’t afford to pay the full fee upfront, the court may let you split it into up to four payments over 120 days. This option is available for both Chapter 7 and Chapter 13 filers.

At SJK Law Firm, we help clients determine the best way to handle filing fees; whether it’s a waiver, installment plan, or including it in a structured payment agreement. The goal is always the same: make bankruptcy accessible and affordable when you need it most.

Next, we’ll look at the largest part of most cases; attorney fees; and how they differ between Chapter 7 and Chapter 13 in Georgia.

Chapter 7 and Chapter 13 Attorney Fees in Georgia

Attorney fees are typically the biggest cost in a bankruptcy case; but they’re also the part where experience, value, and flexibility matter most. In Georgia, these fees vary depending on the chapter you file, the complexity of your case, and where you’re located.

How Much Does a Chapter 7 Bankruptcy Lawyer Cost in Georgia?

Attorney fees for Chapter 7 bankruptcy cases in Georgia typically range from $1,000 to $2,500. This is a one-time, upfront payment in most cases, since Chapter 7 cases usually last 4 to 6 months and don’t include a long repayment plan.

Several factors can influence where you fall within that range:

• Simple cases (no assets, few creditors, no lawsuits) may cost closer to $1,000–$1,200
• Complex cases (business ownership, high income, lawsuits, property protection issues) may cost $2,000 or more
• Attorney experience and reputation may raise the price; but also often increases success rate and peace of mind

At SJK Law Firm, we evaluate your situation first, then provide a clear, upfront quote with no surprise fees; and payment plans may be available for qualified clients.

How Much Does a Chapter 13 Bankruptcy Lawyer Cost?

Chapter 13 bankruptcy attorney fees in Georgia are typically between $3,000 and $5,500, but here’s the good news: you usually don’t pay this all at once.

Most Chapter 13 attorneys; including our firm; get paid through your court-approved repayment plan over 3 to 5 years. That means you can often file for little or no money down, with legal fees rolled into your monthly payments.

What makes Chapter 13 fees more predictable is that they’re often based on “no-look” guidelines set by the bankruptcy court. In Georgia, those guidelines vary slightly by district:

• Northern District (Atlanta, Rome, Gainesville): Higher end of the range ($4,000–$4,500+)
• Middle District (Macon, Columbus): Around $3,500–$4,250
• Southern District (Savannah, Augusta): Often lower ($3,000–$3,500)

These standard fees cover most services in a Chapter 13 case, unless your situation requires additional filings or litigation.

Can You Save Money by Filing for Bankruptcy Without an Attorney?

Technically, yes; but it’s risky. Bankruptcy law is complex, and mistakes can cost you far more than an attorney’s fee. At SJK Law Firm, we believe legal help should be affordable and effective, which is why we offer flexible payment options and up-front transparency.

Filing bankruptcy isn’t just about paperwork. The law also requires you to complete two short financial education courses: one before you file, and one after. These courses are federally mandated for both Chapter 7 and Chapter 13 cases.

What Are the Required Bankruptcy Courses?

You must complete:

• Credit Counseling (Pre-Filing): This course must be taken within 180 days before filing your case. It helps you explore your options and ensure bankruptcy is the right step.
• Debtor Education (Post-Filing): Also called a financial management course, this is required before your debts can be discharged.

Both courses must be completed through agencies approved by the U.S. Trustee Program. Many are available online or by phone, making them accessible across Georgia.

How Much Do Bankruptcy Courses Cost?

Most course providers charge between $10 and $50 per class. That means you’re looking at $20 to $100 total, depending on the provider you choose.

Here’s a breakdown:

• Low-cost providers often offer both courses for $25–$50 combined
• Higher-cost providers may charge closer to $50 per course
• Joint filers (married couples) may be able to take both courses together for a small added fee

Can These Course Fees Be Waived?

Yes. If your income is below 150% of the federal poverty level, you can often request a fee waiver directly from the course provider. Many agencies offer free or reduced pricing to eligible low-income filers.

At SJK Law Firm, we’ll help you find reliable, affordable course providers; and guide you through the timing so you never miss a required step.

Hidden and Miscellaneous Costs When Filing Bankruptcy

Beyond court and attorney fees, there are a few less obvious costs that can come up when filing for bankruptcy in Georgia. While these expenses are usually smaller, they’re still worth planning for; especially if you’re working with a tight budget.

Credit Report Fees

You’ll need an accurate and complete list of your debts to file. Many bankruptcy attorneys; like SJK Law Firm; include a credit report in their service, but if not, pulling a comprehensive report may cost around $30–$50.

If you’re filing on your own, you can access your reports for free at AnnualCreditReport.com, but a consolidated report from all three bureaus is often more reliable and time-saving.

Transportation and Time Off Work

If you’re required to attend an in-person meeting or court hearing; such as the 341 Meeting of Creditors; you may need to factor in:

• Gas or public transportation
• Parking fees
• Lost wages from taking time off work
• Childcare if applicable

That said, many 341 meetings are still being held virtually in Georgia as of 2025 (by phone or video), so these costs may be minimal or nonexistent.

Document Preparation Services (If Filing Without an Attorney)

If you’re filing pro se (without a lawyer), you may pay a bankruptcy petition preparer or online service to help with forms. Fees typically range from $150 to $300.

Important: Petition preparers are not attorneys; they can’t offer legal advice or attend hearings with you. Use caution and verify they comply with Georgia’s legal requirements.

Printing, Mailing, and Amendment Fees

These are usually small but worth mentioning:

• Printing your petition: Up to 60+ pages, maybe $5–$10 at a print shop
• Mailing notices or documents: A few dollars, if needed
• Filing an amendment later (to fix errors or add creditors): $32 fee

None of these should break the bank; but they’re good to keep in mind when budgeting your total cost.

Chapter 7 vs. Chapter 13 Bankruptcy Costs: What’s the Difference?

When comparing Chapter 7 and Chapter 13 bankruptcy, the cost difference often reflects the structure and length of the process; not just the filing fees or attorney costs.

Here’s a quick breakdown:

Cost Factor	Chapter 7	Chapter 13
Filing Fee	$338	$313
Attorney Fees	$1,000 – $2,500	$3,000 – $5,500 (often paid over time)
Total Duration	4–6 months	3–5 years
Payment Flexibility	Typically paid up front	Rolled into repayment plan
Asset Risk	May involve selling non-exempt assets	You keep assets, repay over time
Best For	Lower-income filers, quick debt relief	Those with steady income who need to catch up on debts

Which Option Is More Affordable?

Chapter 7 is usually less expensive upfront, making it a better fit for those in immediate financial crisis who qualify under the income means test.

Chapter 13 tends to cost more overall, but it provides long-term structure and may be the only option if you’re trying to keep a home from foreclosure or catch up on back payments.

At SJK Law Firm, we help you decide what makes the most sense for your situation; and we work hard to make either option affordable.

Final Thoughts: Planning for Bankruptcy Costs in Georgia

Filing for bankruptcy can feel overwhelming, but knowing the costs up front puts you in control. Whether you’re filing Chapter 7 or Chapter 13, understanding your total expenses; court fees, attorney fees, required courses, and smaller add-ons; can help you budget for a fresh start.

At SJK Law Firm, we believe that everyone deserves access to debt relief; without added financial pressure. That’s why we offer:

• Flexible payment plans
• Transparent pricing
• Hands-on guidance at every step

If you’re ready to stop wage garnishment, avoid foreclosure, or finally break free from overwhelming debt; let’s talk. We’re here to help you file smart, file affordably, and move forward with confidence.