What is the average ballpark cost for filing a personal bankruptcy?i do not have the money now so are payments available?

I’m not sure what the average rates are in TX. But here in central Massachusetts you can expect to pay between $1,000 - $1,800 plus costs for a chapter 7 case and between $2,000 - $3,500 plus costs for a chapter 13 case. It is always hard to say what your fee will be because every case is different. As for a payment plan you may be able to put a small portion of the fees into the chapter 13 plan, however, the Court will not allow payment plans in a chapter 7 case that extend after the time of filing the case. Good luck. Robert Kovacs

I generally agree with Mr. Kovic's answer, but in some districts, the entire Chapter 13 payment is included in the plan of reorganization. Check with a lawyer in your area for local legal fees. See the attorney locator service at the website linked below to find qualified bankruptcy attorneys near you. The filing fee for a Chapter 7 is $299 and the two required credit counseling classes total between $50 and $100.