Introduction
Bankruptcy legal costs in North Carolina depend on the type of bankruptcy filed, attorney fees, court filing costs, and the overall complexity of the case. North Carolina is generally considered a moderate-cost state for bankruptcy, but expenses can rise in cases involving higher income, multiple assets, business debt, or long-term repayment plans.
This guide explains average bankruptcy legal costs in North Carolina, including lawyer fees, court costs, and the key factors that influence total expenses.
How Much Does Bankruptcy Cost in North Carolina?
Most bankruptcy cases in North Carolina 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 North Carolina
Bankruptcy attorneys in North Carolina typically charge flat fees for consumer bankruptcy cases, especially Chapter 7 filings.
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, self-employment income, business ownership, real estate holdings, or contested creditor claims.
For a nationwide comparison, see: How Much Do Lawyers Cost in the United States?
North Carolina Bankruptcy Court Filing Fees
Bankruptcy court filing fees are set at the federal level and apply statewide in North Carolina.
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 North Carolina
Several factors commonly drive up bankruptcy expenses:
- Filing under Chapter 13 instead of Chapter 7
- High-income or high-asset cases
- Business ownership or self-employment
- 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 North Carolina
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 North Carolina Bankruptcy Costs Compare to Other States
Bankruptcy costs in North Carolina are generally lower than in high-cost states like New York and California, and comparable to states such as Georgia and Ohio.
Compare bankruptcy costs nationwide here: Legal Costs by State
How to Reduce Bankruptcy Legal Costs in North Carolina
Proper preparation 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
- Complete required courses on time
Good planning helps avoid delays, additional fees, and dismissal.
Frequently Asked Questions
Is bankruptcy cheaper in North Carolina than in New York or California?
Yes. North Carolina bankruptcy cases generally cost significantly less.
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?
Often yes—especially in Chapter 13 cases.
Do I need a lawyer to file bankruptcy in North Carolina?
You can file without one, but mistakes often lead to delays or dismissal.
Does Chapter 13 always cost more than Chapter 7?
Yes, due to the longer repayment period and increased attorney involvement.
Official North Carolina Bankruptcy Resources
U.S. Bankruptcy Court – Eastern District of North Carolina
U.S. Bankruptcy Court – Middle District of North Carolina
U.S. Bankruptcy Court – Western District of North Carolina
U.S. Courts – Bankruptcy Basics
Related Guides
How Much Do Lawyers Cost in the United States?
Legal Costs in North Carolina
Bankruptcy Legal Costs
Conclusion
Bankruptcy legal costs in North Carolina typically range from around $1,200 for simple Chapter 7 cases to over $5,500 for complex Chapter 13 filings. Attorney fees, court costs, and financial complexity are the primary drivers of total expenses.
Understanding these costs in advance helps individuals plan financially before filing for bankruptcy in North Carolina.