What about cost? - Currently the filing fee for a Chapter 7 case is $299.00 and a Chapter 13 is $274.00. The filing fee can be paid to the Court in installments or waived entirely as ordered by the Court under certain circumstances.   Attorneys fees are always a consideration, but beware of advertisements of low fees by attorneys or paralegal firms.  Generally, you get what you pay for and good representation is always a must.  Ask yourself, "Would I represent myself before the IRS?"  We all know the horror stories of a tax audit.  The bankruptcy process is at least as serious as that.  Don't take chances!