How Much Does It Cost to File Bankruptcy in Kentucky?

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Filing for bankruptcy is a significant decision that can have far-reaching effects on your financial life. However, when faced with overwhelming debt, it can be a viable strategy to get a fresh start. If you’re residing in Kentucky and considering this option, one of the first questions that might come to your mind is, “How much does it cost to file bankruptcy in KY?” Also, people in debt typically compare these two options bankruptcy vs debt settlement.


In this article, we will explore the costs involved in filing for bankruptcy in Kentucky, including court fees, attorney fees, and other potential costs.

Court Fees

The United States Bankruptcy Court outlines two primary types of bankruptcy for individuals: Chapter 7 and Chapter 13. Each has its own set of fees.

  1. Chapter 7 Bankruptcy: This type of bankruptcy involves the liquidation of assets to pay off debts. As of 2022, the court fee for filing a Chapter 7 bankruptcy in Kentucky is $338.
  2. Chapter 13 Bankruptcy: This form of bankruptcy allows individuals to develop a plan to repay all or part of their debts over three to five years. The court fee for filing a Chapter 13 bankruptcy in Kentucky is $313.

These filing fees are mandatory and must be paid to the court at the time of filing. In some cases, the court may allow payment in installments or waive the fee entirely if the debtor’s income is less than 150% of the poverty level.

Attorney Fees

While it’s technically possible to file for bankruptcy without an attorney, known as ‘pro se,’ it’s generally not recommended. Bankruptcy law is complicated, and handling your case can be challenging without legal assistance. Hiring an attorney can help ensure your bankruptcy goes smoothly and can potentially save you money in the long run by helping you avoid pitfalls and costly mistakes.

The cost of hiring an attorney can vary widely depending on your case’s complexity, the lawyer’s experience, and your geographical location. According to the American Bankruptcy Institute, attorney fees for Chapter 7 bankruptcy can range from $1,000 to $2,500, while Chapter 13 bankruptcy attorney fees can range from $2,500 to $6,000.

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Credit Counseling and Debtor Education Courses

How Much Does It Cost to File Bankruptcy in Kentucky?

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Before filing for bankruptcy, you are required to complete credit counseling from a government-approved organization. Similarly, before you complete your bankruptcy case, you must complete a debtor education course. These courses can cost around $15 to $50 each, though fee waivers are available if you cannot afford them.

Miscellaneous Costs

There might be additional costs related to bankruptcy filing, such as photocopying and postage. You might also need to obtain a copy of your credit report, which could cost up to $20.


In conclusion, the cost of filing for bankruptcy in Kentucky can vary significantly depending on the type of bankruptcy, whether or not you hire an attorney, and a variety of other factors. On the low end, you might expect to pay around $400 (for a simple Chapter 7 case filed pro se), and on the high end, you might expect to pay several thousand dollars (for a complex Chapter 13 case with an attorney).

However, it’s crucial to remember that bankruptcy should not be taken lightly. It can have severe consequences, including a long-term impact on your credit score. Therefore, it’s advisable to seek legal advice before proceeding and consider all possible alternatives.

Remember, the goal of filing for bankruptcy is not just to get rid of your current debt but also to pave the way for a secure financial future. By understanding the costs involved, you can make a more informed decision and begin the process of rebuilding your financial life.


How Much Does It Cost to File Bankruptcy in Kentucky? 1

What is the average cost for filing bankruptcy in Kentucky?

The average attorney fees for filing Chapter 7 bankruptcy run from about $1,000 to $1,500, and for a Chapter 13, fees range from about $2,500 to $3,500. The filing fees are $338 for Chapter 7 and $313 for Chapter 13.

Are there any additional costs associated with filing bankruptcy in Kentucky?

Yes, apart from the attorney fees and filing fees, there may also be costs for credit counseling and debtor education courses which are mandatory. These can cost between $20 and $100 each.

Can I pay the bankruptcy filing fee in installments?

Yes, the court may allow you to pay the filing fee in installments if you cannot pay all at once. You have to submit an application to the court for approval.

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Can the filing fee for bankruptcy be waived in Kentucky?

The filing fee can be waived only under certain circumstances. If your income is less than 150% of the poverty level, you can request a waiver.

Does the cost of filing bankruptcy vary depending on the type of bankruptcy?

Yes, the filing fee is different for Chapter 7 and Chapter 13 bankruptcies. The attorney fees can also vary.

Is hiring an attorney necessary to file bankruptcy in Kentucky?

While it’s not mandatory to have an attorney, it’s highly recommended. The bankruptcy process can be complex, and having an attorney can ensure that you don’t make costly mistakes.

Can the cost of filing bankruptcy be included in the bankruptcy itself?

Generally, you cannot include the costs of filing bankruptcy in your bankruptcy. These are considered administrative costs that need to be paid upfront.

Does the cost of filing bankruptcy affect the outcome of the bankruptcy case?

No, the cost of filing does not affect the outcome of the bankruptcy case. However, failure to pay the required fees can lead to your case being dismissed.

Are there any free or low-cost resources for filing bankruptcy in Kentucky?

Yes, there are legal aid organizations that offer free or low-cost legal services to those who qualify based on income. Also, some lawyers offer pro bono services.

What is the cost of filing bankruptcy without an attorney in Kentucky?

If you choose to file without an attorney, you will only need to pay the court filing fees which are $338 for Chapter 7 and $313 for Chapter 13. However, this is not recommended as the process can be complex and errors can lead to your case being dismissed.


  • Bankruptcy: A legal process where a person or business unable to pay their debts can seek relief from some or all of their debts.
  • Chapter 7 Bankruptcy: Also known as “liquidation bankruptcy,” it allows debtors to wipe out their debts in exchange for the sale of their non-exempt properties.
  • Chapter 13 Bankruptcy: A form of bankruptcy where the debtor makes a plan to repay all or part of their debts over a period of three to five years.
  • Credit Counseling: A session that debtors must attend before filing for bankruptcy, providing financial education and budgeting help.
  • Debt Discharge: The removal of liability for certain types of debts, meaning the debtor is no longer legally required to pay them.
  • Debt Reorganization: A process in which a debtor’s obligations are rescheduled or restructured.
  • Debtor: An individual or corporation who owes money.
  • Exempt Property: Assets that Kentucky law allows a debtor to keep in bankruptcy, such as a primary residence, certain personal property, and some types of pensions.
  • Filing Fee: A fee charged by the court to file the bankruptcy petition.
  • Income Means Test: An assessment used to determine if a debtor is eligible for Chapter 7 bankruptcy, based on their income level.
  • Liquidation: The selling of a debtor’s non-exempt assets to pay off creditors.
  • Non-Exempt Property: Assets that are not protected by bankruptcy exemptions and can be sold to pay off creditors.
  • Petition: The document filed with the court to initiate the bankruptcy process.
  • Proof of Claim: A document filed by a creditor in a bankruptcy case setting forth the amount of the debtor’s obligation at the time the bankruptcy case was filed.
  • Secured Debt: A debt backed by an asset, like a car loan or a mortgage.
  • Trustee: A person appointed by the court to manage the debtor’s property, oversee the bankruptcy process, and pay the debts.
  • Unsecured Debt: A debt that is not backed by an asset, such as credit card debt or medical bills.
  • Voluntary Bankruptcy: A bankruptcy initiated by the debtor.
  • Wage Earner’s Plan: Another term for Chapter 13 bankruptcy, named so because it allows individuals with regular income to develop a plan to repay all or part of their debts.
  • 341 Meeting: Also known as the “meeting of creditors,” it’s a mandatory meeting where the debtor, trustee, and creditors can ask questions about the debtor’s financial situation and bankruptcy papers.

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