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 New York estimate
$4,050
$1,600 – $10,800 typical range in New York
Based on your situation and New York's COL index of 135
LawyerCostGuide› Bankruptcy Attorney› New York, NY
⚖️ Legal Fees
📍 City
📊 Bankruptcy

Bankruptcy Attorney Cost
in New York, NY

📍 New York, NY 🔄 Updated March 2026 📐 BLS-adjusted COL index: 135
Budget
$1,600
Basic / entry level
Most Common
$4,050
Standard quality
Average
Premium
$10,800
High-end / complex
🏛️ New York — Bankruptcy Attorney Market
  • Rates $350–$600/hr · Retainers typically $7,500–$15,000
  • Local market Bankruptcy is a federal process — cases file in the US Bankruptcy Court for the district covering New York, not NY state courts. NY's exemption laws determine which assets you keep.
  • Tip Credit counselling is required before filing in New York — approved providers are often inexpensive ($10–$50) and give you clarity on your full financial picture
  • Verify nysba.org (New York State Bar Association) before paying a retainer
Court data verified March 2026 · Source: nycourts.gov, nysba.org

Full Price Breakdown

💰 Bankruptcy Attorney Cost in New York — By Level
LevelPrice RangeWhat This Gets You
Uncontested / Simple$1,600Both parties agree on all terms — flat fee arrangement
Contested (standard)$4,050Disputed issues, hourly billing, licensed attorney
Complex / High-conflict$10,800Multiple disputes, lengthy proceedings, senior counsel
Per caseHourly: $250–$650/hr avgInitial retainer typically $3,000–$8,000 — not total cost

📍 New York vs national average: $4,050 in New York vs $3,000 national avg for Bankruptcy. Data sourced from BLS Regional Price Parities and updated quarterly.

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📍 New York tip: Always use 3 free consultations before retaining anyone in New York. 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 135). Estimates reflect national averages adjusted for New York's cost of living. Always obtain 3 quotes from licensed attorneys before retaining anyone.
Your New York Estimate
$4,050
$1,600 – $10,800 typical range

What Drives the Cost in New York

Means test determines which chapter you qualify forChapter 7 (fast, full discharge) requires passing a means test — if your income exceeds the NY median, you may only qualify for Chapter 13 (3–5 year repayment plan). Chapter 7 attorney fees in New York: $1,600–$2,835. Chapter 13: $2,835–$10,800 due to greater complexity. A New York 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 New York attorney will tell you this honestly before you file.
NY exemptions determine what you keepNY's bankruptcy exemptions determine which assets are protected in Chapter 7. Homestead, retirement, and vehicle exemptions vary significantly. A New York 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 New York. 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 New York 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.

Frequently Asked Questions

How much does a bankruptcy attorney cost in New York?
Bankruptcy attorney fees in New York range from $1,600 for Chapter 7 cases to $10,800 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 New York?
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 New York.
Will bankruptcy stop foreclosure in New York?
Filing bankruptcy triggers the automatic stay — which stops foreclosure proceedings immediately. Chapter 13 specifically allows New York 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 New York?
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 New York bankruptcy attorney can evaluate your specific debt profile.
How does bankruptcy affect credit in New York?
Chapter 7 bankruptcy remains on your credit report for 10 years; Chapter 13 for 7 years. However, many New York 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 NY?
Verify any NY attorney's bar registration at No-fault divorce available since 2010 — irretrievable breakdown for 6+ months. Bankruptcy is a federal practice area — attorneys can represent clients in any federal bankruptcy court. Ask specifically about the attorney's experience in New York's federal bankruptcy court and their relationship with the local trustees.

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Before You Hire in New York
✅ 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 New York prices: Base cost data from industry surveys, adjusted by New York's BLS Regional Price Parity index (135 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.
📋 NY Legal Facts — What New York Residents Should Know
⚖️No waiting period for no-fault divorce
⚖️New York State Bar: nysba.org
⚖️No-fault divorce available since 2010 — irretrievable breakdown for 6+ months
⚖️New York City divorce costs average 60% higher than upstate
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