What do you need help with?
Select the option that best describes your situation
Ch7
Chapter 7
Liquidation — discharge most debts quickly
›
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
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Your New York estimate
$4,700
$1,600 – $8,100 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
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Bankruptcy

Bankruptcy Attorney Cost
in New York, NY

📍 New York, NY · Updated March 2026 · ✓ Verified New York data · BLS cost-of-living adjusted
Budget
$1,600
Basic / entry level
Most Common
$4,700
Standard quality
Average
Premium
$8,100
High-end / complex
Price Spectrum — New York vs National Average
$1,600$8,100
New York: $4,700
National avg: $3,500
34% above national avg
Typical range$1,600–$8,100
vs national avg35% above
Chapter 7 from$2,025
New York — Bankruptcy Attorney Market 2026 Data
Typical cost
$4,700
$1,600–$8,100 full range
vs national avg
35% above national
COL index 135 · baseline 100
Filing fee
~$338 Ch7 / ~$313 Ch13
New York market · 2026
New York — Bankruptcy Attorney Market2026 Data
  • Fee Ch7 flat fee: $1,350–$2,970 · Ch13: $4,050–$8,100 · All fees disclosed to and approved by the court
  • Filing fees Ch7: $338 · Ch13: $313 — federal court fees, separate from and in addition to attorney fees
  • 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 retaining anyone
Court data verified March 2026 · Source: nycourts.gov, nysba.org

Full Price Breakdown

Verified New York attorney rates — COL-adjusted
Bankruptcy Attorney Cost in New York — By Level
LevelPrice RangeWhat This Gets You
Chapter 7 — debt elimination$1,350Discharge most unsecured debts in ~4 months — no repayment plan
Chapter 13 — repayment plan$4,0503–5 year plan to keep assets and catch up on secured debts
Complex / Business bankruptcy$8,100Multiple creditors, business assets, or Chapter 11 territory
Filing feesCh7: $338 · Ch13: $313Federal court filing fees — separate from and in addition to attorney fees

📍 New York vs national average: $4,700 in New York vs $3,500 national avg for Bankruptcy. Data sourced from BLS Regional Price Parities and updated quarterly.

See New York Quick Facts in the panel to the right — including how to verify any attorney's licence.
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Estimate Your Cost in New York

🧮 New York Bankruptcy Attorney Calculator
Case Complexity
Your Priority
Estimated Cost in New York
$4,700
$1,600 – $8,100 estimated range
📍 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. Most attorneys quote a fixed all-in fee for this type of matter — get the full scope and price in writing before starting.
📐 Data sources: AscendBankruptcy.com 2025 · LegalZoom.com 2026 · US Bankruptcy Court filing fees (Ch7 $338, Ch13 $313) · 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. Full methodology →
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New York Bankruptcy Insight
Chapter 7 eliminates most unsecured debt in 3–6 months. Chapter 13 creates a 3–5 year repayment plan. The right choice depends on income, assets, and what you're trying to protect — an attorney consultation clarifies this.
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–$3,290. Chapter 13: $3,290–$8,100 due to greater complexity. A New York bankruptcy attorney runs this calculation free at the initial consultation.
The automatic stay is immediate and powerfulFiling bankruptcy in New York triggers the automatic stay immediately — all collection calls, wage garnishments, foreclosure proceedings, and lawsuits against you must stop. This immediate protection applies regardless of chapter. For anyone facing imminent garnishment or foreclosure in New York, the automatic stay alone is often worth the cost of filing.
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.
James Calloway
James Calloway
Legal Data Researcher · Reviewed March 2026
James specialises in criminal defence, DUI, bankruptcy, and business attorney fee research. He sources data from court records, state bar publications, and industry benchmarks — reviewed quarterly with no commercial ties to any law firm.
Before You Hire in New York
✅ Before Signing a Retainer
✓Verify licence at your state bar website
✓Use 3 free consultations before choosing
✓Ask for a flat fee quote inclusive of filing fees
✓Confirm they practice in the correct federal district
✓Ask how many Chapter 7 / 13 cases they file annually
🚫 Red Flags
✗Anyone who guarantees an outcome
✗No written fee agreement before payment
✗Quotes hourly billing for a standard bankruptcy
✗Cannot confirm their federal district experience
✗Unusually low fee without clear scope of work
📐
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
NY Bankruptcy Facts — What New York Residents Should Know
Chapter 7 filing fee: $338 · Chapter 13: $313
New York State Bar: nysba.org
New York has two federal bankruptcy districts — confirm your district before filing
New York has generous bankruptcy exemptions — homestead up to $170,825
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 $8,100 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 New York State Bar: nysba.org. 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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Important: LawyerCostGuide provides general fee information only — not legal advice. Always consult a licensed attorney before making legal decisions.
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