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How Much Will This Cost?

We certainly understand your concerns about how much it costs to file bankruptcy. Unfortunately, the cost of filing for bankruptcy continues to increase and moreso post-pandemic. We strive to keep our fees reasonable without it affecting our customer service.  We have some of the lowest fees in south central Pennsylvania and we don't have any hidden fees.  

Generally our attorney fees are as follows and they are NOT doubled for a married couple.

We reserve the right to charge more than the fees listed below at our discretion or for complex cases.  Clients who own a business or are self-employed may pay an additional fee. We discuss all fees in advance during the free initial consult and provide them to you in writing.

We discuss all fees with you during the free initial consult.

Initial Phone Consult: FREE
Set up your free phone consult HERE.

Chapter 7: $1,875, calculated as follows: attorney fees of $1,500, the $338 filing fee, and $37 credit pull fee for a total of $1,875 (plus an additional fee of $37 for a second credit pull).  Counseling is paid directly by you and not included.

Chapter 13: $1,850, calculated as follows:  attorney fees of $1,500, the $313 filing fee, and $37 credit pull fee for a total of $1,850 (plus an additional fee of $37 for a second credit pull).  Counseling is paid directly by you and not included.  The balance of attorney fees is $3,000 ($4,000 if you are self-employed/own a business) and is paid pursuant to a monthly payment plan over the course of your plan.  We do sometimes charge additional fees in a Chapter 13, depending on the complexity of the case and we may charge more up front. We will discuss this with you during the free initial consultation.

Please see fee agreement for all the terms and conditions.  ALL fees must be paid before your bankruptcy can be filed and all fees are non-refundable.

The first appointment is a Screenshare Appointment and it costs $295, and full credit is given towards the total bankruptcy fee, outlined above.  This appointment is done via a Zoom conference with Attorney Cutaia and lasts approximately 2 hours.

Fees are controlled by our fee agreement, which you will receive prior to making any payment to us.  This web page is just an outline of our fees and is not binding.  We provide you with a copy of our fee agreement right after the initial consultation so you have plenty of time to review it.

NOTE:  If the filing fee goes up, you will have to pay that additional amount (it generally goes up every 3 years).


1701 West Market Street
York, PA 17404
Hours:  M-F 9:00 am to 4:30 pm
Phone: 717-304-1841
Text: 717-304-1841  

The Fine Print

This is a law firm after all: This web site is for informational purposes only and does not create an attorney/client relationship. The law changes often, so please be sure to contact us for questions about your specific situation. You should NOT be making decisions about your financial life based only on the information on this web site or any web site. Seriously - don't do it. The law is complicated and is always in flux. This site is intended only for people who have legal matters in the Commonwealth of Pennsylvania. Pennsylvania has adopted the Federal Bankruptcy Exemptions, but not all states have done so. Be sure to contact a licensed attorney in your state, to learn about your state's bankruptcy procedure.

We are a DEBT RELIEF AGENCY under the United States Bankruptcy Code.

Dawn Cutaia, Esquire has been a licensed attorney in the Commonwealth of Pennsylvania since 1996, currently limiting her practice to bankruptcy, foreclosure and civil defense, and pardons.  Suzanne Smith, has been an attorney licensed in the Commonwealth of Pennslyvania since 1992, currently limiting her practice to criminal defense, pardons/expungements, and bankruptcy.  Dawn Cutaia is the sole member of Fresh Start Law, PLLC, a professional limited liability corporation in the Commonwealth of Pennsylvania.