Bankruptcy Cost Nevada: What You’ll Pay

One of the most common questions people ask before filing is: what is the bankruptcy cost Nevada residents actually pay? It’s a fair question — and the answer is more straightforward than most people expect. In Nevada, the total cost of filing Chapter 7 bankruptcy breaks down into two main components: court filing fees and attorney fees. Chapter 13 has similar costs with some differences.

Chapter 7 Bankruptcy Cost Nevada — What You’ll Pay

Flat Fee of $2,000 at Riggs Law Firm

The Riggs Law Firm charges a flat fee of $2,000 for a standard Chapter 7 case. This is an all-in fee that includes everything: attorney fees, the court filing fee, your credit report, credit counseling, financial management course, all document preparation, and representation through your 341 meeting of creditors. For most cases, that is it. There are no hidden charges and no hourly billing surprises. What you’re quoted is what you pay. Most law firms around town offer a low rate only to nickel and dime you for costs along the way. Here are some of the items that are included in our flat fee.

Court Filing Fee: $338

The U.S. Bankruptcy Court charges a filing fee of $338 to open a Chapter 7 case. This fee is set by federal law and is the same in every state. It is paid directly to the court when your petition is filed.

Credit Counseling and Debtor Education: ~$30–$50 per person

Federal law requires all bankruptcy filers to complete two short online courses: a pre-filing credit counseling course (completed before you file) and a debtor education course (completed after you file but before your discharge). Each course is available online and typically costs $10–$25. The Riggs Law Firm will refer you to an approved provider.

Credit Report: ~$50 per person

At the Riggs Law Firm we will pull a credit report on every case that we file. This will give us your creditor names, account numbers, and balances owed. Most debts will appear on a credit report but it is important that you collect all medical debt or other judgments against you as those usually will not. The credit report is included in our flat fee

All in, a Chapter 7 bankruptcy with the Riggs Law Firm costs approximately $2,000 — which includes the attorney fees, credit counseling, credit report, and filing fees. That’s it. For most people, this is a small fraction of the debt they’ll eliminate.

Chapter 13 Bankruptcy Cost Nevada — Monthly Payment Plans

Court Filing Fee: $313

Chapter 13 has a slightly lower court filing fee of $313.

Attorney Fees

Chapter 13 is more complex than Chapter 7 — it involves a three-to-five year repayment plan, ongoing trustee payments, and more attorney involvement over the life of the case. Attorney fees for Chapter 13 are correspondingly higher and vary based on the complexity of your case. The Riggs Law Firm will provide you with a clear fee quote during your free consultation. Chapter 13 attorney fees are often paid in part through the repayment plan itself, which means your out-of-pocket cost before filing is typically lower than Chapter 7.

Reducing Bankruptcy Cost Nevada With a Fee Waiver

Yes — if your income is below 150% of the federal poverty level, you may qualify for a complete waiver of the $338 court filing fee. The court reviews your application and, if approved, you pay nothing to the court. The Riggs Law Firm will help you determine if you qualify and prepare the waiver application.

Bankruptcy Cost Nevada: Payment Arrangements Are Available

The Riggs Law Firm understands that if you’re considering bankruptcy, money is tight. That’s why we offer payment arrangements on our attorney fees. You don’t have to pay everything upfront to get started. In a Chapter 7 case, attorney fees must be paid in full before the petition is filed — but we work with clients to spread payments over weeks or months so that cost is never a barrier to getting the relief you need.

What About Doing It Yourself (Pro Se)?

It is legally possible to file bankruptcy without an attorney — called filing “pro se.” However, bankruptcy involves complex federal rules, strict deadlines, and procedural requirements. Errors can result in your case being dismissed, your discharge being denied, or assets being liquidated that could have been protected with proper exemption planning. For most people, the cost of an attorney is a sound investment compared to the risk of a costly mistake. Dan Riggs has personally conducted thousands of 341 hearings and has seen firsthand what goes wrong in pro se cases.

For more context on bankruptcy filing requirements, the U.S. Courts Chapter 7 overview provides a helpful summary. You can also learn more about the full filing process on our Chapter 7 bankruptcy Las Vegas page.

Frequently Asked Questions About Bankruptcy Cost Nevada

Is the $2,000 fee truly all-inclusive?

Yes. The Riggs Law Firm’s flat fee for a standard Chapter 7 case covers everything: attorney fees, court filing fee, your credit report, all document preparation, and representation through the 341 meeting. Additional costs only incur if your bankruptcy is contested, you need to reaffirm debt, or an adversary proceeding is filed in your case. These things are rare and before filing we will go over any risks that may be associated with your case.

Can I spread out my payments before filing?

Yes. The Riggs Law Firm offers payment arrangements to make filing accessible regardless of your current financial situation. Contact us to discuss a payment schedule that works for you.

How does the cost of bankruptcy compare to continuing to carry the debt?

For most clients, bankruptcy eliminates tens of thousands of dollars in debt for an upfront cost of around $2,000. The math is straightforward: paying $2,000 to permanently eliminate $30,000, $50,000, or $100,000+ in debt is one of the most financially sound decisions a person in that situation can make.

Want to know the exact cost for your situation? Schedule a free consultation with Dan Riggs or call 702-605-5070. He’ll give you a clear, no-obligation quote and explain exactly what your case will involve.