 TITLE: What Is the Difference Between Chapter 7 and Chapter 13 Bankruptcy? CONTENT: How Do I Apply for Bankruptcy?\n------------------------------\nThe unfortunate reality of bankruptcy is that it will cost some money—more if you hire legal help, which you probably should (more on that below). All filings have to go through U.S. bankruptcy courts, where the cost to file is $335 for Chapter 7 and $310 for Chapter 13. However, you can ask the court to either waive your fee or let you pay with monthly installments. You'll also have to take debtor education courses if you file on your own.\nAnd that's just the beginning. There's a list of documents you'll need to take care of, as well as the specific repayment proposal you need to submit for Chapter 13. That proposal gets reviewed by a court-appointed trustee, who contacts your creditors before approving your submission. Overall, neither filing is an easy process to handle on your own, and even minor mistakes on your end could be a setback for your case.\nSo, whether you file for Chapter 7 or Chapter 13 bankruptcy, it's typically a good idea to hire a lawyer to help you petition. A bankruptcy attorney's price depends on the nature and complexity of your filing, with Chapter 13 filings on the pricier end, but the price tag doesn't necessarily mean a lawyer is out of the question for you. Discuss payment plans with potential attorneys, check out local pro-bono (free) lawyers and legal aid offices, or use an online tool like Upsolve to cover your bases when it comes to bankruptcy. END