Planning for Chapter 13 Bankruptcy in New York 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 $10,107.
Compared to the United States national average of $5,000, legal costs in New York are102% higher than the average.
The initial barrier to entry in the New York court system begins with the mandatory filing fees. For Chapter 13 Bankruptcy, these non-refundable charges range between $434 and $530 depending on the specific county and local surcharges.
Based on verified jurisdictional data
Avg. Attorney Rate
$385/hour
Estimated Total
Disclaimer: This is a rough estimate based on New York averages. Actual costs vary by county and specific circumstances.
New York State Law Overview
1-2 years depending on circumstances (complex rules)
No mandatory waiting period
New York is an equitable distribution state with detailed statutory factors. The state has unique provisions for maintenance (alimony) with specific guidelines. New York also requires extensive financial disclosures and has mandatory settlement conferences.
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 New York 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 Chapter 13 Bankruptcy in New York 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 Chapter 13 Bankruptcy data for major cities across New York:
Reviewed by Research Team
Last Verified: 2025