Bankruptcy Filing Fees in Oregon: What to Expect

When considering filing for bankruptcy in Oregon, one of the first factors to take into account is the associated filing fees. Understanding these costs can help you prepare financially and plan your next steps effectively. In this article, we will outline the bankruptcy filing fees in Oregon, the exceptions to the fees, and additional expenses you should be aware of.

The standard filing fee for a Chapter 7 bankruptcy in Oregon is currently around $335. This fee covers the legal proceedings associated with your bankruptcy case, including court costs. For Chapter 13 bankruptcy, the fee is approximately $310. These amounts can vary slightly depending on the local bankruptcy court, so it’s essential to verify the current fees with your local court or a bankruptcy attorney.

In some circumstances, you may qualify for a fee waiver. If your income is below a certain threshold set by the court, you can file a form (Form 103B) to request a waiver of the filing fee. It’s important to provide the necessary documentation to support your claim for the fee waiver.

If you cannot afford to pay the filing fee upfront, the court does allow you to pay in installments. You must submit an application to pay the fee over time, detailing your financial situation. The court will either approve or deny your request, giving you the opportunity to manage your payment more comfortably.

Aside from the filing fees, there may be other expenses you need to consider. For example, hiring a bankruptcy attorney can significantly assist in navigating the complexities of the bankruptcy process but may also add to your overall costs. Attorney fees can vary widely, depending on the complexity of your case and the attorney’s experience. It's advisable to discuss fees upfront during your initial consultation.

Moreover, you may incur additional costs for credit counseling services. Before your bankruptcy petition can be filed, you are required to complete pre-filing credit counseling from an approved provider, which usually costs between $10 and $50. After your bankruptcy case is filed, you will also need to complete a debtor education course, which has similar pricing.

In summary, filing for bankruptcy in Oregon comes with specific fees, which can vary based on the type of bankruptcy you are filing for and other circumstances surrounding your case. Make sure to account for both the filing fees and any additional costs, including attorney fees and counseling services. By preparing for these expenses, you can better navigate the bankruptcy journey and work towards a fresh financial start.