How Much Does It Cost to File Bankruptcy in Memphis, Tennessee?

While it is legally possible to file bankruptcy without a lawyer (pro se), most individuals choose legal representation due to the extreme complexity of bankruptcy law, the risk of case dismissal, potential loss of assets, and long-term financial consequences of filing mistakes.

Chapter 13 bankruptcy court filing fees may be paid in installments.

For many Memphis residents, bankruptcy can eliminate or restructure tens of thousands of dollars in debt, making the cost of filing small compared to the long-term financial relief it provides. Bankruptcy can stop wage garnishment, stop foreclosure, eliminate credit card and medical debt, and provide immediate creditor protection.

Yes. Once a bankruptcy case is filed, an automatic stay immediately stops wage garnishment, foreclosure proceedings, repossession, and collection lawsuits.

Generally, you cannot use a credit card in your own name to pay for your bankruptcy fees, as this involves taking on new debt right before you file. However, a friend or family member is usually permitted to pay the attorney fees on your behalf using their credit card.

No. The bankruptcy court filing fee is non-refundable. If your bankruptcy case is dismissed for any reason, such as missing a paperwork deadline or failing to complete a mandatory credit counseling course, the court will not return your filing fee.

In total costs, Chapter 7 is usually less expensive overall because the case typically concludes in 3 to 4 months. However, Chapter 13 is often more affordable upfront since the legal fees are spread out over your multi-year repayment plan instead of being required in a single lump sum.