Planning for Bankruptcy Chapter 7 in Tennessee requires a clear understanding of both mandatory government fees and discretionary service costs. In 2025, individuals pursuing this legal action typically encounter an average total investment of $2,916.
Compared to the United States national average of $5,000, legal costs in Tennessee are42% lower than the average.
The initial barrier to entry in the Tennessee court system begins with the mandatory filing fees. For Bankruptcy Chapter 7, these non-refundable charges range between $200 and $500 depending on the specific county and local surcharges.
Based on verified jurisdictional data
Avg. Attorney Rate
$270/hour
Estimated Total
Disclaimer: This is a rough estimate based on Tennessee averages. Actual costs vary by county and specific circumstances.
Tennessee State Law Overview
6 months in Tennessee before filing
60-90 days depending on children
Tennessee is an equitable distribution state. The state has unique provisions for fault affecting property division and alimony. Tennessee also requires parenting plans and has specific rules for retirement account division.
The costs provided are estimates based on historical data and local fee structures. Legal fees vary by complexity and attorney experience. This site does not provide legal advice, and no attorney-client relationship is formed by using this tool.
Prepare and file the petition with the local Tennessee court.
Exchange of information and legal evidence between parties.
Mandatory or voluntary negotiation to reach an agreement.
Final court hearing and issuance of legal decree.
The cost of Bankruptcy Chapter 7 in Tennessee can be significantly reduced by following these strategic steps:
Compare live 2025 jurisdictional rates from neighboring states.
Localized costs can vary by county and municipal jurisdiction. Browse Bankruptcy Chapter 7 data for major cities across Tennessee:
Reviewed by Research Team
Last Verified: 2025