Bankruptcy Cost in Ohio

Depending on which Chapter you go into, the costs vary. The basic fees are generally you attorney fees, filing fees, credit report fees, and credit counseling fees. 

Attorney Fee

The attorney fee varies for each Chapter. The local standard for attorney fees varies between $700 to $1,500 for Chapter 7 and $3,700 for Chapter 13. Our Chapter 7 attorney fee is $925 and Chapter 13 is $3,700. Our firm does accept ARAG insurance as well as give a discount under certain union insurance plans. In Chapter 7, the fee must be paid prior to filing your case. In Chapter 13 cases, we require a deposit of at least $200 of the attorney fees prior to filing, although you may prepay up to the full amount. Any remaining attorney fees are paid through your Chapter 13 plan.

Filing Fees

In Dayton, the bankruptcy filing fees are $335 for Chapter 7 and $310 for Chapter 13.

Credit Report Fees

Our clients are required to produce their credit reports. There are two options in general. First, our firm can pull your condensed credit report for a fee from $30-$50, depending on whether it is a single debtor or joint debtor report. We do not receive any type of compensation for pulling your report. The price you are charged is the price our firm pays for the report. Second, you may go to and attempt to pull your own free reports from Experian, Equifax and Transunion. However, while the second method is generally free, you can only get your free report once a year and clients typically have a hard time printing off the “correct” version of the credit report with all of the essential information.

Additional Fees

Here are additional costs such as filing fees, credit report and counseling course fees and extra court fees of $26.00 for filing certain amended documents. In Chapter 13 cases, you may need your home appraised, which runs an average of $150.

An overall cost comparison in the simplest of cases for a single person:

(Married couples should add $20 to the costs for the joint credit report fee) 

  Chapter 7          Chapter 13          
Attorney Fee $925 $3700
Filing Fee $335 $310
Credit Report $30 $30
Counseling Courses (2) $40 $40
Total $1330* $4080**

*This amount is due before we can process and file your petition.

**Only $580 is due before we can process and file your petition, as the remaining $3500 will be collected through your Chapter 13 plan.




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Miami Valley Bankruptcy, Brian Lusardi, Esq., assists clients with Bankruptcy matters including but not limited to: Common Myths, Cost of Bankruptcy, Chapter 7 Bankruptcy, Chapter 13 Bankruptcy, The New Bankruptcy Law and Personal Bankruptcy in Xenia, Ohio, and the cities of: Wilberforce, Alpha, Spring Valley, Dayton, Bellbrook, Yellow Springs, Cedarville, Fairborn and Clifton; and the counties of Greene and Montgomery.

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