$1500 or less. You can file now, and make payments on the $1500 after you stop paying all of the debt discharged in your bankruptcy. Most attorneys will tell you it depends on the complexity of the case. There is a little truth in that, but not much. Most Chapter 7 Bankruptcy cases are a lot like the next one. Usually the bankruptcy attorney is just trying to see if he can quote a higher rate. There are some costs involved in filing, but those should all be included in the price quoted. For example, don’t pay extra for the bankruptcy attorney to do a credit report. He/she would have to do that anyway. The most important thing is communication. Make sure your case will be filed almost immediately. A lot of bankruptcy lawyers will delay the case for months to collect documents. Filing a bankruptcy petition with the bankruptcy court should take about two hours and should be able to be scheduled within the week you call.