What do you need help with?
Select the option that best describes your situation
7️⃣
Chapter 7
Liquidation — discharge most debts quickly
13
Chapter 13
Repayment plan — keep assets, catch up on payments
🏠
Save My Home
Facing foreclosure, need to stop it
💼
Business Bankruptcy
Business debts or insolvency
Other / Not Sure
I'll describe my situation below
Your Boston estimate
$3,250
$1,300 – $6,500 typical range in Boston
Based on your situation and Boston's COL index of 108
LawyerCostGuide Bankruptcy Attorney Boston, MA
⚖️ Legal Fees
📍 City
📊 Bankruptcy

Bankruptcy Attorney Cost
in Boston, MA

📍 Boston, MA 🔄 Updated March 2026 📐 BLS-adjusted COL index: 108
Budget
$1,300
Basic / entry level
Most Common
$3,250
Standard quality
Average
Premium
$6,500
High-end / complex
🏛️ Boston — Bankruptcy Attorney Market
  • Rates $300–$550/hr · Retainers typically $4,000–$9,000
  • Local market Bankruptcy is a federal process — cases file in the US Bankruptcy Court for the district covering Boston, not MA state courts. MA's exemption laws determine which assets you keep.
  • Tip Credit counselling is required before filing in Boston — approved providers are often inexpensive ($10–$50) and give you clarity on your full financial picture
  • Verify massbar.org (Massachusetts Bar Association) before paying a retainer

Full Price Breakdown

💰 Bankruptcy Attorney Cost in Boston — By Level
LevelPrice RangeWhat This Gets You
Uncontested / Simple$1,300Both parties agree on all terms — flat fee arrangement
Contested (standard)$3,250Disputed issues, hourly billing, licensed attorney
Complex / High-conflict$6,500Multiple disputes, lengthy proceedings, senior counsel
Per caseHourly: $250–$650/hr avgInitial retainer typically $3,000–$8,000 — not total cost

📍 Boston vs national average: Boston Bankruptcy costs ($3,250) are close to the $3,000 national average. COL index 108 — national baseline is 100. Data sourced from BLS Regional Price Parities and updated quarterly.

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Estimate Your Cost in Boston

🧮 Boston Bankruptcy Attorney Calculator
Case Complexity
Your Priority
Estimated Cost in Boston
$3,250
$1,300 – $6,500 estimated range
📍 Boston tip: Always use 3 free consultations before retaining anyone in Boston. Ask specifically about their experience with cases like yours in local courts. The retainer is a deposit — not the total cost.
📐 Data sources: ABA Legal Technology Survey Report 2024, Clio Legal Trends Report 2024, BLS Regional Price Parities (COL index 108). Estimates reflect national averages adjusted for Boston's cost of living. Always obtain 3 quotes from licensed attorneys before retaining anyone.
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What Drives the Cost in Boston

Means test determines which chapter you qualify forChapter 7 (fast, full discharge) requires passing a means test — if your income exceeds the MA median, you may only qualify for Chapter 13 (3–5 year repayment plan). Chapter 7 attorney fees in Boston: $1,300–$2,275. Chapter 13: $2,275–$6,500 due to greater complexity. A Boston bankruptcy attorney runs this calculation free at the initial consultation.
Not all debts discharge — know before you fileBankruptcy discharges many debts but not all. Student loans (with rare exceptions), child support, alimony, recent tax debts (within 3 years), and criminal restitution cannot be discharged in either chapter. If your debt is primarily non-dischargeable, bankruptcy may not provide the relief you expect. A Boston attorney will tell you this honestly before you file.
MA exemptions determine what you keepMA's bankruptcy exemptions determine which assets are protected in Chapter 7. Homestead, retirement, and vehicle exemptions vary significantly. A Boston attorney calculates your specific exemption position before recommending Chapter 7.
Chapter 13 saves homes Chapter 7 cannotChapter 7 discharges debt but cannot eliminate mortgage arrears. Chapter 13 allows you to cure mortgage arrears over 3–5 years while keeping the home — it's the primary mechanism for stopping foreclosure and reinstating a mortgage in Boston. For homeowners with significant equity, Chapter 13's ability to protect the home often justifies its higher complexity and cost.
Credit recovery is faster than most people expectBankruptcy stays on your credit report for 7–10 years, but many Boston filers see credit scores improve within 12–24 months of discharge as debt-to-income ratios improve dramatically. Secured credit cards and consistent on-time payments accelerate recovery. Bankruptcy is not a permanent credit death sentence — it's a structured reset with a defined recovery path.
Before You Hire in Boston
✅ Before Signing a Retainer
Verify licence at your state bar website
Use 3 free consultations before choosing
Ask: 'Is mediation suitable for my case?'
Get realistic total fee estimate in writing
Understand the retainer is a deposit, not total cost
🚫 Red Flags
Anyone who guarantees an outcome
No written fee agreement before payment
Cannot say how many local cases they've handled
Refuses to discuss flat fee or mediation options
Unusually low retainer with vague scope
📐
How we calculate Boston prices: Base cost data from industry surveys, adjusted by Boston's BLS Regional Price Parity index (108 vs US average 100). Reviewed quarterly. Full methodology →
March 2026
⚖️
LawyerCostGuide Editorial Team
Legal Cost Research Team · Reviewed March 2026
Our editorial team researches attorney fee data using ABA Legal Technology surveys, state bar publications, and BLS Regional Price Parities. All cost data is reviewed quarterly and never influenced by commercial relationships with law firms.
📋 MA Legal Facts — What Boston Residents Should Know
⚖️No waiting period
⚖️Massachusetts Bar Association: massbar.org
⚖️No-fault divorce available — irretrievable breakdown
⚖️Suffolk County (Boston) courts have significant backlogs
Stay ahead of rising costs
Price alerts for your city — free, monthly.
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Step 1 of 3 — What type of bankruptcy attorney do you need?

Frequently Asked Questions

How much does a bankruptcy attorney cost in Boston?
Bankruptcy attorney fees in Boston range from $1,300 for Chapter 7 cases to $6,500 for complex Chapter 13 matters. Government filing fees are additional — $338 for Chapter 7, $313 for Chapter 13. Chapter 7 is generally faster (3–6 months) and less expensive than Chapter 13 (3–5 year repayment plan).
Should I file Chapter 7 or Chapter 13 in Boston?
Chapter 7 discharges most unsecured debt quickly but requires passing a means test and may require surrendering non-exempt assets. Chapter 13 allows you to keep assets and catch up on mortgage arrears through a 3–5 year repayment plan. Your income, assets, and specific debts determine which chapter best fits your situation in Boston.
Will bankruptcy stop foreclosure in Boston?
Filing bankruptcy triggers the automatic stay — which stops foreclosure proceedings immediately. Chapter 13 specifically allows Boston homeowners to catch up on mortgage arrears through the repayment plan while keeping the home. Chapter 7 stops foreclosure temporarily but does not address the underlying arrears.
What debts can't be discharged in Boston?
Bankruptcy cannot discharge: student loans (with very limited exceptions), child support and alimony, recent tax debts (generally taxes owed for the last 3 years), criminal restitution, and debts from fraud. If your primary debt is non-dischargeable, bankruptcy may not solve your problem. A Boston bankruptcy attorney can evaluate your specific debt profile.
How does bankruptcy affect credit in Boston?
Chapter 7 bankruptcy remains on your credit report for 10 years; Chapter 13 for 7 years. However, many Boston filers see their credit score improve within 12–24 months of discharge as the debt-to-income ratio improves dramatically. Rebuilding credit after bankruptcy is achievable with secured credit cards and consistent on-time payments.
How do I verify a bankruptcy attorney's licence in MA?
Verify any MA attorney's bar registration at No-fault divorce available — irretrievable breakdown. Bankruptcy is a federal practice area — attorneys can represent clients in any federal bankruptcy court. Ask specifically about the attorney's experience in Boston's federal bankruptcy court and their relationship with the local trustees.

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01
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$2,700–$27,000
02
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$1,600–$16,200
03
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Criminal Defense Lawyer — Boston, MACriminal Law · Updated March 2026
$2,150–$27,000
04
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DUI Attorney — Boston, MACriminal Law · Updated March 2026
$1,600–$12,950
05
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Personal Injury Lawyer — Boston, MACivil Law · Updated March 2026
$3,250–$54,000
Important: LawyerCostGuide provides general fee information only — not legal advice. Always consult a licensed attorney before making legal decisions.
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