Introduction
Bankruptcy legal costs in Texas depend on the type of bankruptcy filed, attorney fees, court filing costs, and the overall complexity of the case. Texas is generally considered a lower- to moderate-cost state for bankruptcy compared to states like California or New York, but expenses can still increase significantly in complex financial situations.
This guide explains average bankruptcy legal costs in Texas, including lawyer fees, court costs, and the key factors that influence total expenses.
How Much Does Bankruptcy Cost in Texas?
Most bankruptcy cases in Texas cost between $1,200 and $5,500+, depending on the chapter filed and case complexity.
Typical Cost Snapshot
| Bankruptcy type | Typical total cost |
|---|---|
| Chapter 7 | $1,200–$3,000 |
| Chapter 13 | $2,500–$5,500+ |
| Court filing fees | $313–$338 |
| Required courses | $50–$100 |
Average Bankruptcy Lawyer Fees in Texas
Bankruptcy attorneys in Texas typically charge flat fees, especially for consumer bankruptcy cases.
Typical Attorney Fees
| Bankruptcy type | Attorney fee range |
|---|---|
| Chapter 7 bankruptcy | $1,200–$3,000 |
| Chapter 13 bankruptcy | $2,500–$5,500+ |
| Complex / business cases | Higher |
Fees may increase for high-income filers, multiple properties, business debt, or disputed creditor claims.
For a nationwide comparison, see: How Much Do Lawyers Cost in the United States?
Texas Bankruptcy Court Filing Fees
Bankruptcy court filing fees are set at the federal level and apply uniformly across Texas.
Common Court Costs
| Filing type | Fee |
|---|---|
| Chapter 7 filing fee | ~$338 |
| Chapter 13 filing fee | ~$313 |
| Credit counseling & debtor education | Additional |
Failure to complete required credit counseling or debtor education courses can delay or result in dismissal of the case.
Related guide: Court Costs in the United States
Factors That Increase Bankruptcy Legal Costs in Texas
Several factors commonly drive up bankruptcy expenses:
- Filing under Chapter 13 instead of Chapter 7
- High-income or high-asset cases
- Business-related or self-employment debt
- Multiple creditors or creditor objections
- Amendments or corrections to bankruptcy filings
More complex financial situations require additional attorney time and court involvement.
Chapter 7 vs Chapter 13 Bankruptcy Costs in Texas
Chapter 7 Bankruptcy
- Faster process
- Lower attorney fees
- Typically completed within a few months
- Best for: individuals with limited income and assets
Chapter 13 Bankruptcy
- Long-term repayment plan (3–5 years)
- Higher attorney involvement
- Costs spread over time
- Best for: individuals with steady income or assets to protect
Choosing the correct chapter has a major impact on total cost and case outcome.
How Texas Bankruptcy Costs Compare to Other States
Bankruptcy costs in Texas are generally lower than in high-cost states like California and New York, mainly due to lower attorney rates and cost of living.
Compare bankruptcy costs nationwide here: Legal Costs by State
How to Reduce Bankruptcy Legal Costs in Texas
Proper planning can significantly reduce bankruptcy expenses.
Cost-Saving Strategies
- File under Chapter 7 when eligible
- Prepare financial documents early
- Avoid unnecessary amendments or refilings
- Hire an experienced bankruptcy attorney early
- Complete required courses on time
Good preparation helps avoid delays, additional fees, and case dismissal.
Frequently Asked Questions
Is bankruptcy cheaper in Texas than in California?
Yes. Texas bankruptcy cases generally cost significantly less than those in California.
Are court filing fees included in attorney fees?
Usually no. Filing fees are paid separately to the court.
Can bankruptcy fees be paid over time?
In some cases, yes—especially for Chapter 13 filings.
Do I need a lawyer to file bankruptcy in Texas?
You can file without one, but mistakes often lead to delays, dismissal, or higher long-term costs.
Does Chapter 13 always cost more than Chapter 7?
Yes, due to the longer repayment period and increased attorney involvement.
Official Texas Bankruptcy Resources
U.S. Bankruptcy Court – Northern District of Texas
U.S. Bankruptcy Court – Southern District of Texas
U.S. Courts – Bankruptcy Basics
Related Guides
Legal Costs in Texas
Legal Costs by Case Type in the United States
Bankruptcy Legal Costs
Conclusion
Bankruptcy legal costs in Texas typically range from just over $1,000 for simple Chapter 7 cases to more than $5,000 for complex Chapter 13 filings. Attorney fees, court costs, and case complexity all play major roles in determining total expenses.
Understanding these costs helps individuals prepare financially before filing for bankruptcy in Texas.