Filing for Chapter 13 bankruptcy in North Carolina involves several costs, including court fees, attorney fees, and additional expenses. At the Law Office of Calvin Craig, we assist Raleigh residents in understanding these costs and navigating the bankruptcy process.

Court Fees

The United States Bankruptcy Court for the Eastern District of North Carolina specifies the following fees for Chapter 13 filings:

• Filing Fee: $235
• Administrative Fee: $78

Total Court Fees: $313

nceb.uscourts.gov

Attorney Fees

Attorney fees for Chapter 13 bankruptcy in North Carolina can vary based on the complexity of the case and the attorney's experience. Some firms may charge a flat fee, while others might base their fees on the specifics of your situation. It's essential to discuss fee structures with your attorney to understand the total cost involved.

Additional Costs

Other expenses you might incur include:

• Credit Counseling and Debtor Education Courses: Before filing, you're required to complete a credit counseling course, and after filing, a debtor education course. Each course typically costs between $10 and $50, depending on the provider.
• Miscellaneous Administrative Costs: These can include fees for obtaining necessary financial documents, mailing costs, and other administrative expenses.

Payment of Fees

In Chapter 13 cases, some fees can be incorporated into your repayment plan, allowing you to pay them over time. For instance, attorney fees are often included in the repayment plan, reducing the upfront financial burden. However, court filing fees are typically required at the time of filing, though payment plans may be available in certain circumstances.

Conclusion

Understanding the costs associated with filing for Chapter 13 bankruptcy is crucial for effective financial planning. At the Law Office of Calvin Craig, we provide detailed guidance to ensure you're well-informed about all expenses involved in the bankruptcy process.