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2026 Fee Schedule · Florida

How Much Does Bankruptcy Cost in Florida?

Honest, all-in pricing. Chapter 7 single filer: $1,838 total. Chapter 7 married couple: $2,088 total. Chapter 13: $313 court filing fee + plan-based attorney fee. No hidden costs. Payment plans available through Confido Legal.

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Quick answer: Florida Chapter 7 with Attorney Fraser is a flat $1,500 attorney fee for a single filer or $1,750 for a married couple, plus the $338 court filing fee — totaling $1,838 single / $2,088 married. Florida Chapter 13 has a $313 court filing fee plus a plan-based attorney fee (typically $4,000-$6,500 paid through the 3-5 year plan, not upfront). No hidden costs. Pre-filing credit counseling (~$15) and post-filing debtor education (~$15) are paid separately to approved providers. Payment plans for the Chapter 7 attorney fee are available through Confido Legal.

Chapter 7 Florida — All-In Cost

ItemSingle FilerMarried Couple
Attorney flat fee$1,500$1,750
Court filing fee (FL/DC)$338$338
Pre-filing credit counseling~$15~$30
Post-filing debtor education~$15~$30
Total all-in~$1,868~$2,148

Counseling fees may be waived for filers below 150% of poverty line. Florida courts may grant the $338 filing fee waiver under Form B 103B for filers below 150% poverty AND unable to pay in installments — otherwise installments under Bankruptcy Rule 1006(b) (typically 4 installments within 120 days) are routinely approved.

Chapter 13 Florida — Plan-Based Cost

ItemAmountHow Paid
Court filing fee$313Upfront or in installments to court
Attorney fee (M.D. Fla. no-look)$4,500 - $5,500Through plan over 3-5 years
Attorney fee (S.D. Fla.)$4,000 - $6,500Through plan over 3-5 years
Attorney fee (N.D. Fla.)$3,500 - $5,000Through plan over 3-5 years
Pre-filing credit counseling~$15Direct to provider before filing
Post-filing debtor education~$15Direct to provider before discharge
Trustee fee~10% of plan paymentsDeducted from each plan payment

Each Florida federal district publishes a “no-look” (presumptive) attorney fee that is approved without itemized billing for standard cases. Above the no-look amount, attorneys must itemize and obtain court approval. Most filers pay only a small upfront retainer ($500-$1,500) at filing; the balance accrues through monthly plan payments to the Chapter 13 trustee.

What's Included & What's Not

✓ Included in Flat Chapter 7 Fee

  • Initial 30-minute consultation (free)
  • Petition, schedules A-J, statement of financial affairs
  • Means test calculation (Form 122A)
  • Florida exemption claims (homestead, vehicle, head-of-household, retirement)
  • Electronic filing via CM/ECF
  • 341 Meeting of Creditors representation (Zoom)
  • Standard creditor communications
  • Reaffirmation agreement review
  • Discharge order entry

✗ Quoted Separately if Needed

  • Adversary proceedings (objection to discharge, dischargeability lawsuits)
  • FDCPA / FCCPA consumer protection claims (often contingent or fee-shifted)
  • Student loan modification or discharge litigation
  • Mortgage modification negotiation
  • IRS tax dispute resolution
  • Conversion from Ch. 7 to Ch. 13 mid-case (or vice versa)
  • Motion to redeem under 11 U.S.C. § 722
  • Motion to avoid judgment lien under § 522(f) (modest fee)

Frequently Asked Questions

How much does Chapter 7 bankruptcy cost in Florida in 2026?
Attorney Fraser's flat fee for Chapter 7 in Florida is $1,500 for a single filer or $1,750 for a married couple, plus the $338 court filing fee. Total: $1,838 single / $2,088 married. No hidden costs. Payment plans available through Confido Legal. The full fee plus filing fee must be paid before the case is filed.
How much does Chapter 13 bankruptcy cost in Florida?
The Chapter 13 court filing fee is $313 in 2026. Attorney fees vary by plan complexity and are quoted at the consultation. Most consumer Chapter 13 attorney fees in the Middle, Northern, and Southern Districts of Florida fall within the local “no-look” fee guidelines (typically $4,000-$6,500) which are paid through the plan rather than upfront. The $313 filing fee may be paid in installments to the court.
Are there any hidden costs in a Florida Chapter 7?
No. The flat $1,500 (single) or $1,750 (married) attorney fee plus $338 court filing fee covers everything for a standard consumer case: petition, schedules, statement of financial affairs, means test, 341 meeting representation, exemption claims, and discharge order entry. Pre-filing credit counseling (~$15) and post-filing debtor education (~$15) are not included — these are paid directly to approved providers. Adversary proceedings (objections to discharge, dischargeability lawsuits) are quoted separately if they arise. Most consumer cases have no adversary proceedings.
Can I get the Florida Chapter 7 filing fee waived?
Yes. The court can waive the $338 filing fee for filers whose household income is below 150% of the federal poverty line and who cannot afford even installment payments. Form B 103B (Application to Have Filing Fee Waived) is filed at petition. Approval is at the court's discretion. Most filers don't qualify; instead the court routinely allows installment payments under Bankruptcy Rule 1006(b) — typically four installments paid within 120 days of filing.
Are payment plans available for the Florida bankruptcy attorney fee?
Yes. Attorney Fraser offers payment plans through Confido Legal for the Chapter 7 attorney fee. Pay at your own pace; the case is filed once the full fee is paid. Many filers fund the fee from accounts that would otherwise be garnished, from current paychecks held aside, or from family contributions. The faster the fee is paid, the faster the automatic stay is in place.
Why is Chapter 13 attorney fee structure different from Chapter 7?
Chapter 13 attorney fees are typically paid through the plan rather than upfront. Each Florida federal district publishes a “no-look” or “presumptive” fee that is approved without itemized billing if the plan is standard. The Middle District of Florida no-look fee is currently $4,500-$5,500 depending on case complexity; the Southern and Northern Districts are similar. Above the no-look amount, attorneys must itemize fees and obtain court approval. Most filers pay only an upfront retainer ($500-$1,500) at filing; the balance is paid through monthly plan payments to the trustee.

Free Consultation — Get an Exact Quote

Most consultations take 30 minutes. We'll review your debts, income, and assets, identify Chapter 7 or 13, and quote the exact fee for your specific case.

Schedule Free Consultation → 📞 877-862-7188