Bankruptcy in Kentucky

Kentucky ( KY)

Average: $2,200

Last Updated: Mar 2026

Low Estimate

$900

Simple / Uncontested Cases

Average Cost

                        $2,200                    
Typical
                        Bankruptcy Case
                    

High Estimate

$5,000

Complex / Contested Cases

Cost Component	Low	Average	High
Attorney Hourly Rate	$175/hr	$236/hr	$400/hr
Total Cost Estimate	$900	$2,200	$5,000
Court Filing Fee	$338

What to Know About Bankruptcy Costs in Kentucky

Kentucky has two bankruptcy districts. Chapter 7 fees range $900-$1,700, Chapter 13 costs $2,200-$5,000. Kentucky exemptions include a $5,000 homestead exemption (very low), $2,500 motor vehicle, and personal property exemptions. Kentucky allows only state exemptions. The low homestead exemption provides minimal protection for homeowners. Appalachian Kentucky has among the highest bankruptcy filing rates per capita in the nation due to economic distress.

Sources: United States Courts (uscourts.gov) - Ch.7: $338, Ch.13: $313