Bankruptcy may seem like the only way out of some situations, but you should consider what it will cost you. Sometimes, these costs will lead you to look for another solution. You will need to consider more than just the costs for filing the bankruptcy. You will pay the filing fees and most likely need a lawyer. These filing fees have gone up as part of the Deficit Reduction Act. The filing fees were $200 for a Chapter 7 and $185 for a Chapter 13 filing, and have now gone up to $299 and $273 respectively. If you make changes to your case or proposals for added actions, you will pay more. And you will have to avoid missing records and writing bad checks to keep from adding to the bill. In general, just filing for bankruptcy can cost you in nine ways: 1. Attorney fees 2. Credit counseling 3. Petition fees 4. Amendment fees 5. Reopening fees 6. Conversion from a Chapter 7 to a Chapter 13 7. Splitting fees 8. Abandonment of property costs 9. Withdrawing the reference fees But you will pay
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