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<title>How Much Does Bankruptcy Cost in Tennessee? - Filing Fees, Attorney Fees</title>
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<nav><div class="container"><a class="brand" href="/">Tennessee Bankruptcy Guide</a><div class="links"><a href="/">Home</a><a href="chapter-7.html">Chapter 7</a><a href="chapter-13.html">Chapter 13</a><a href="exemptions.html">Exemptions</a><a href="cost.html">Cost</a><a href="faq.html">FAQ</a><a href="statistics.html">Stats</a><a href="resources.html">Resources</a><a href="https://openbankruptcyproject.org">OBP</a></div></div></nav>
<nav aria-label="Breadcrumb" class="breadcrumb-nav"><a href="https://tennesseebankruptcy.org">Home</a><span class="separator">›</span><span>Cost</span></nav>
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<h1>How Much Does Bankruptcy Cost in Tennessee?</h1>
<p class="subtitle">Bankruptcy has real costs, but they are often far less than the debt you are trying to eliminate. Here is a transparent breakdown of every cost you should expect.</p>
</div></div>
<div class="container">
<div class="stats-row">
<div class="stat-card"><div class="number">$338</div><div class="label"><a href="https://whatischapter7.com/" title="Chapter 7">Chapter 7</a> Filing Fee</div></div>
<div class="stat-card"><div class="number">$313</div><div class="label"><a href="https://chapter7vs13.org/" title="Chapter 13">Chapter 13</a> Filing Fee</div></div>
<div class="stat-card"><div class="number">$25-50</div><div class="label"><a href="https://bankruptcyfreshstart.org/" title="credit counseling">Credit Counseling</a> (2 courses)</div></div>
</div>
</div>
<section><div class="container">
<h2>Chapter 7 Cost Breakdown</h2>
<table>
<tr><th>Cost Item</th><th>Amount</th><th>Notes</th></tr>
<tr><td>Court filing fee</td><td><strong>$338</strong></td><td>Can pay in installments; fee waiver available</td></tr>
<tr><td>Attorney fees</td><td>$900 to $1,800</td><td>Typical Tennessee range; usually paid upfront</td></tr>
<tr><td>Pre-filing <a href="https://bankruptcyfreshstart.org/" title="credit counseling">credit counseling</a></td><td>$15 - $25</td><td>Required within 180 days before filing</td></tr>
<tr><td>Post-filing debtor education</td><td>$10 - $25</td><td>Required before <a href="https://bankruptcydischarge.org/" title="discharge">discharge</a></td></tr>
<tr><td>Credit report</td><td>$0 - $30</td><td>Free from annualcreditreport.com</td></tr>
</table>
<div class="card" style="margin-top:20px">
<h3>Fee Waiver (Chapter 7 Only)</h3>
<p>If your household income is below 150% of the federal poverty guidelines, you can apply to have the $338 filing fee waived entirely. You file the fee waiver application (Official Form 103B) with your petition.</p>
</div>
</div></section>
<section><div class="container">
<h2>Chapter 13 Cost Breakdown</h2>
<table>
<tr><th>Cost Item</th><th>Amount</th><th>Notes</th></tr>
<tr><td>Court filing fee</td><td><strong>$313</strong></td><td>Can be paid through your plan</td></tr>
<tr><td>Attorney fees</td><td>$2,500 to $4,000</td><td>Typical Tennessee range; mostly paid through plan</td></tr>
<tr><td>Pre-filing credit counseling</td><td>$15 - $25</td><td>Required within 180 days before filing</td></tr>
<tr><td>Post-filing debtor education</td><td>$10 - $25</td><td>Required before <a href="https://bankruptcydischarge.org/" title="discharge">discharge</a></td></tr>
</table>
<div class="card" style="margin-top:20px">
<h3>The Chapter 13 Payment Advantage</h3>
<p>Attorney fees and the filing fee can be included in your <a href="https://chapter13plan.org" title="Chapter 13 Repayment Plan">repayment plan</a>. You typically need only a small upfront payment (often $0-$500), with the rest paid through your monthly plan payments over 3-5 years.</p>
</div>
</div></section>
<section><div class="container">
<h2>Ways to Reduce Costs</h2>
<div class="card">
<h3>Free and Low-Cost Options</h3>
<ul>
<li><strong>Legal Aid Society of Middle Tennessee</strong> - Free legal services for low-income residents of the Nashville area.</li><li><strong>Memphis Area Legal Services</strong> - Free legal help for low-income Memphis residents.</li><li><strong>Legal Aid of East Tennessee</strong> - Free legal services for eastern Tennessee.</li>
<li><strong>Fee waiver</strong> - eliminates the $338 <a href="https://whatischapter7.com/" title="Chapter 7">Chapter 7</a> filing fee for income below 150% of poverty</li>
<li><strong>Installment payments</strong> - pay the filing fee in up to 4 installments over 120 days</li>
<li><strong><a href="https://prosebankruptcy.org/" title="pro se">Pro se</a> filing</strong> - filing <a href="https://filebankruptcywithoutlawyer.com/" title="file without a lawyer">without an attorney</a> is possible but not recommended for most filers</li>
</ul>
</div>
</div></section>
<section><div class="container">
<h2>Frequently Asked Questions</h2>
<details class="faq-item"><summary>How much does Chapter 7 cost in Tennessee?</summary><div class="answer"><p>The Chapter 7 filing fee is $338. Attorney fees in Tennessee typically range from $900 to $1,800. Credit counseling courses cost about $25-50 total (two required). Fee waivers are available if your income is below 150% of the federal poverty guidelines. <a href="https://howmuchdoesbankruptcycost.com" title="National Bankruptcy Cost Guide">National cost comparison</a>.</p></div></details>
<details class="faq-item"><summary>How much does <a href="https://chapter7vs13.org/" title="Chapter 13">Chapter 13</a> cost in Tennessee?</summary><div class="answer"><p>The Chapter 13 filing fee is $313. Attorney fees typically range from $2,500 to $4,000 in Tennessee. The filing fee and attorney fees can be paid through your <a href="https://chapter13plan.org" rel="noopener" target="_blank" title="Chapter 13 Repayment Plan - Open Bankruptcy Project">repayment plan</a>, so you usually do not need to pay everything upfront.</p></div></details>
<details class="faq-item"><summary>Can I file bankruptcy for free?</summary><div class="answer"><p>The court filing fee can be waived in Chapter 7 if your income is below 150% of the federal poverty guidelines. Legal aid organizations in Tennessee may provide free or reduced-cost legal representation for qualifying individuals.</p></div></details>
<details class="faq-item"><summary>Do I have to pay an attorney upfront?</summary><div class="answer"><p>For Chapter 7, most attorneys require full payment before filing. For Chapter 13, attorney fees are typically included in your <a href="https://chapter13plan.org" rel="noopener" target="_blank" title="Chapter 13 Repayment Plan - Open Bankruptcy Project">repayment plan</a>, so you may only need a small upfront payment.</p></div></details>
</div></section>
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<div class="network">
<h3>Open Bankruptcy Project Network</h3>
<div class="network-links">
<a href="https://openbankruptcyproject.org">OBP Home</a>
<a href="https://1328f.com">1328(f) Screener</a>
<a href="https://chapter7vs13.org">Ch. 7 vs 13</a>
<a href="https://automaticstay.org">Automatic Stay</a>
<a href="https://341meeting.org">341 Meeting</a>
<a href="https://bankruptcymeanstest.org">Means Test</a>
<a href="https://howmuchdoesbankruptcycost.com">Cost Guide</a>
<a href="https://bankruptcydismissed.com">Dismissed?</a>
<a href="https://filebankruptcyagain.com">File Again?</a>
<a href="https://howtofilebankruptcy.org">How to File</a>
</div>
</div>
</div>
<!-- Related Tennessee Bankruptcy Resources -->
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<p style="color:#f0f6fc;font-weight:700;font-size:1.05rem;margin:0 0 0.75rem 0">Related Tennessee Bankruptcy Resources</p>
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<li><a href="/" style="color:#58a6ff;text-decoration:none;background:#21262d;padding:5px 12px;border-radius:14px;font-size:0.85rem;border:1px solid #30363d;display:inline-block">Tennessee Bankruptcy Guide</a></li>
<li><a href="/chapter-7.html" style="color:#58a6ff;text-decoration:none;background:#21262d;padding:5px 12px;border-radius:14px;font-size:0.85rem;border:1px solid #30363d;display:inline-block">Chapter 7 in Tennessee</a></li>
<li><a href="/chapter-13.html" style="color:#58a6ff;text-decoration:none;background:#21262d;padding:5px 12px;border-radius:14px;font-size:0.85rem;border:1px solid #30363d;display:inline-block">Chapter 13 in Tennessee</a></li>
<li><a href="/exemptions.html" style="color:#58a6ff;text-decoration:none;background:#21262d;padding:5px 12px;border-radius:14px;font-size:0.85rem;border:1px solid #30363d;display:inline-block">Tennessee Exemptions</a></li>
<li><a href="/cost.html" style="color:#58a6ff;text-decoration:none;background:#21262d;padding:5px 12px;border-radius:14px;font-size:0.85rem;border:1px solid #30363d;display:inline-block">Bankruptcy Cost in Tennessee</a></li>
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<p>An <a href="https://openbankruptcyproject.org">Open Bankruptcy Project</a> resource</p>
<p>Data sourced from the <a href="https://www.fjc.gov/" rel="noopener" target="_blank">Federal Judicial Center</a> Integrated Database (2008--2024).</p>
<p>This site provides general information, not legal advice. Consult a qualified attorney for your specific situation.</p>
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