Filing for bankruptcy is a big decision — and one of the first questions many Ohioans ask is, “Can I even afford it?” The good news? The costs are more manageable than you might think — and if you’re struggling financially, there may be options to reduce or delay some of the upfront fees. Here’s a simple, clear breakdown of what it costs to file for bankruptcy in Ohio in 2025, including court fees, required courses, and other potential expenses.
Bankruptcy Filing Fees in Ohio (2025)
No matter where you live in Ohio, the filing fees for bankruptcy are the same because they’re set by the U.S. Bankruptcy Court:
- Chapter 7 Bankruptcy: $338
- Chapter 13 Bankruptcy: $313
These fees include administrative costs and trustee surcharges. If you’re unable to pay the full amount upfront, the court may let you set up a payment plan — and in some Chapter 7 cases, you may qualify to have the fee waived entirely.
Tip: If you’re receiving government assistance or your income is below 150% of the federal poverty line, you may be eligible for a fee waiver. We can help you figure out if you qualify.
Required Credit Counseling & Debtor Education
Every bankruptcy filer is required to complete two short financial courses:
- Credit Counseling (before you file)
- Debtor Education (after you file but before discharge)
These courses are designed to help you understand your financial options and build better habits moving forward. They’re usually quick, affordable, and can often be completed online or by phone.
- Average cost per course: $10–$50
- Total for both courses: $20–$100
Some course providers even offer discounts or free options if you’re low-income.
Other Potential Costs for Filing Bankruptcy in Ohio
There are a few additional fees that may come up depending on your situation:
- Conversion Fee (if you switch from Chapter 13 to Chapter 7): $25
- Trustee Fee (in Chapter 13 cases): Typically 5–10% of your repayment amount
- Motion Filing Fees (for things like requesting to sell assets): Varies, often around $199
Most of these don’t apply to every case, but it’s helpful to be aware of them just in case.
What About Attorney Fees?
Attorney fees vary depending on your case complexity, but most law firms (including ours!) are upfront about costs. In Chapter 13 cases, attorney fees are often built into your repayment plan, making them easier to manage over time.
We’ll go over all expected costs during your free consultation — no pressure, no surprises.
Total Estimated Bankruptcy Costs in Ohio (2025)
Here’s what the full picture might look like:
Cost Type |
Chapter 7 |
Chapter 13 |
|---|---|---|
| Filing Fee | $338 | $313 |
| Required Courses | $20 – $100 | $20 – $100 |
| Attorney Fees (est.) | Varies by case | Often paid over time |
| Estimated Total | ~$358 – $438+ | ~$333 – $413+ |
Keep in mind: Many people filing bankruptcy don’t need to pay everything upfront. Payment plans, sliding scale services, and court-approved fee waivers make bankruptcy more accessible than most people realize.
You’re Not Alone — We’re Here to Help
At Nicole Metzger Law, we know how overwhelming it can feel to take that first step. If you’re drowning in debt, the last thing you need is confusion about what bankruptcy will cost or whether it’s the right path for you.
We’re here to walk you through your options, explain every cost clearly, and help you move toward financial freedom with confidence.
Ready to explore your options?
Book your free consultation today. Let’s see if bankruptcy is right for you — and if so, how we can make it as affordable and stress-free as possible.
Disclaimer: This post is for informational purposes only and is not legal advice. For advice specific to your situation, please consult with an attorney.