This tool provides general cost estimates for informational purposes only. It is NOT legal advice. Costs vary significantly based on individual circumstances. Consult a licensed attorney in your jurisdiction for specific guidance.
2026 cost estimates for bankruptcy in Georgia, including attorney fees, court costs, and other expenses.
As of June 29, 2026, a bankruptcy in Georgia costs on average $3,100, typically $2,200-$4,400 for a moderate-complexity case, based on sourced attorney-fee and court-cost data. Typical attorney rates run $165 to $310 per hour. A moderate-complexity case typically takes 3-5 years to resolve. Common related costs include chapter 13 filing fee ($313) and credit counseling course ($25-$50).
Data verified: June 29, 2026
| Complexity | Low | Median | High | Typical Duration |
|---|---|---|---|---|
| Simple | $900 | $1,300 | $2,200 | 3-4 months |
| Moderate | $2,200 | $3,100 | $4,400 | 3-5 years |
| Complex | $3,100 | $5,200 | $8,300 | 3-5 years |
Last verified: June 2026
$165 – $310/ hour
Median: $240/hr
3-5 years
For moderate complexity cases
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</script>Bankruptcy cost formation splits along the two most common filing types. Chapter 7 (liquidation) is a shorter federal process, so attorney fees are usually charged as a flat fee covering the whole case. Chapter 13 (repayment plan) requires the attorney to stay involved for the full 3-5 year repayment period, so the fee is higher and is often split into an upfront portion plus ongoing amounts paid through the repayment plan itself.
On top of the attorney fee, every filer pays a federal court filing fee (set by statute, the same nationwide regardless of state) plus mandatory credit counseling and debtor education course fees. Case complexity within either chapter — multiple creditors, contested exemptions, business assets, or a means-test dispute — adds attorney hours beyond the base flat fee, which is why complex-case costs run well above the simple-case median shown on this page.
Take a moderate-complexity bankruptcy matter in Georgia. The recorded median total is $3,100, with reported quotes clustering between $2,200 and $4,400. Each statutory line below is sized against that median.
Added together the itemised lines come to $363–$413, which leaves roughly $2,687–$2,737 of the Georgia median as professional time — the part that differs between quotes. One further recorded fee is not itemised above and is not in that total.
At $3,100, the median bankruptcy cost in Georgia runs 11% below the $3,479 national average across all 50 states and DC.
Georgia carries 3 rows — simple, $900–$2,200 at $145–$260/hr over 3-4 months; moderate, $2,200–$4,400 at $165–$310/hr over 3-5 years; complex, $3,100–$8,300 at $190–$380/hr over 3-5 years — on 5 shared citations. They put it below the midpoint of the table without reaching the bottom quarter.
$3,100 is a median, not the middle of the band — $900 above the $2,200 floor, $1,300 under the $4,400 ceiling. Every rank below is out of 47.
Georgia occupies the 33rd row of 47 for a bankruptcy. Its $3,100 median trails the $3,600 table midpoint by $500, which is 14% — close enough that a single firm's quote can straddle both figures.
North Carolina ($3,150) and Indiana ($3,100) bracket Georgia inside a $50 window — narrow enough that 33rd is close to arbitrary.
5 tracked states — Florida, North Carolina, Indiana, North Dakota among them — record a median within three percent of Georgia's $3,100. The figure sits in the densest part of the bankruptcy distribution, where a rank change of several rows costs only a few hundred dollars.
Georgia ranks 29th of 47 on hourly rate at $240 an hour and 33rd on total cost — 4 places apart, enough that the rate is a slightly optimistic guide to the total.
| Rank | State | Median | Against Georgia |
|---|---|---|---|
| 27 | Maine | $3,350 | +$250 |
| 28 | Utah | $3,350 | +$250 |
| 29 | Missouri | $3,300 | +$200 |
| 30 | Idaho | $3,200 | +$100 |
| 31 | Florida | $3,150 | +$50 |
| 32 | North Carolina | $3,150 | +$50 |
| 33 | Georgia | $3,100 | — |
| 34 | Indiana | $3,100 | −$0 |
| 35 | North Dakota | $3,100 | −$0 |
| 36 | South Carolina | $3,050 | −$50 |
| 37 | Wyoming | $3,000 | −$100 |
| 38 | Tennessee | $2,950 | −$150 |
| 39 | Mississippi | $2,900 | −$200 |
$50 up or $0 down moves Georgia a row. A ten percent revision to the underlying figure would cross 12 rows in total — 6 up, 6 down — so the rank reads better as a band than as a precise place.
Climbing five places would mean passing Utah, Missouri, Idaho, Florida, North Carolina and adding $250 to the $3,100 recorded here.
Five places down means passing under Indiana, North Dakota, South Carolina, Wyoming, Tennessee: $150.
$1,300 short of Hawaii ($4,400), $750 clear of Kentucky ($2,350).
At $240 an hour, the $3,100 median represents about 13 hours of attorney time — a matter measured in days of work, not weeks. The peer median is 14 hours: Georgia reaches its total in 1 fewer implied hours, because the rate rather than the workload carries more of it.
The escalation is comparatively shallow on hours. A complex bankruptcy costs 4x a simple one in Georgia, but the implied workload only rises 2.6x — 7 hours at $190 becomes 18 hours at $285 — meaning the senior-rate premium of 1.5x carries an unusually large share of the increase.
From $2,200 to $4,400 the moderate band is $2,200 wide, close to the $2,550 peer median. End to end that is 9 hours at $240.
By implied hours Georgia falls to 42nd of 47 at 13 hours, 9 places below its 33rd on cost — the bankruptcy total arriving on less recorded work.
64% up the $2,200–$4,400 band sits the $3,600 table midpoint, buying 15 hours at $240 against the 13 the local bankruptcy median implies — 2 hours apart.
| Measure | Georgia | Rank |
|---|---|---|
| Moderate median | $3,100 | 33rd |
| Hourly median | $240 | 29th |
| Implied hours | 13 | 42nd |
| Simple median | $1,300 | 32nd |
| Complex median | $5,200 | 22nd |
$240 an hour puts Georgia between Florida ($240) and Ohio ($230) — not the bankruptcy cost pairing.
Florida records the same $240: rate cannot separate them, totals do.
$3,100 buys 16 hours at $190, 13 at $240, 11 at $285.
| Rank | State | Median rate |
|---|---|---|
| 27 | Nevada | $250 |
| 28 | Florida | $240 |
| 29 | Georgia | $240 |
| 30 | Ohio | $230 |
| 31 | Wyoming | $230 |
Rank is not stable across the tiers, and the direction matters. Georgia runs 32nd at the simple tier, 33rd at moderate, 22nd at complex of 47 — it climbs 10 places as the matter gets harder. Straightforward bankruptcy work is recorded at ordinary prices here; contested work is not.
$1,300 is 32nd of 47 on a straightforward bankruptcy, under Wyoming ($1,350) and over Louisiana ($1,300), $200 under the $1,500 tier midpoint.
$5,200 is 22nd of 47 once contested, between Arizona ($5,200) and Oregon ($5,150), $100 off the $5,100 tier midpoint.
The three bands are continuous in Georgia: the simple tier reaches $2,200 where the moderate tier starts at $2,200, and the moderate tier reaches $4,400 where the complex tier starts at $3,100. A single quoted figure can therefore belong to two different tiers, and the tier label — not the number — is what identifies which.
| Tier | Georgia | Rank | Tier midpoint | Implied hours |
|---|---|---|---|---|
| simple | $1,300 | 32nd | $1,500 | 7 |
| moderate | $3,100 | 33rd | $3,600 | 13 |
| complex | $5,200 | 22nd | $5,100 | 18 |
$1,300 puts Georgia 32nd of 47 on straightforward matters, 1 up on its moderate position, and $200 (13%) under the $1,500 tier midpoint.
7 implied hours at $190: 54% of the moderate tier's 13, over 3-4 months.
Wyoming ($1,350) and Louisiana ($1,300) bracket it — a $50 window.
4 states sit within three percent of the $1,300 here, against 5 at the moderate row.
$5,200 puts Georgia 22nd of 47 on contested matters, 11 up on its moderate position, and $100 (2%) over the $5,100 tier midpoint.
18 implied hours at $285: 138% of the moderate tier's 13, over 3-5 years.
Arizona ($5,200) and Oregon ($5,150) bracket it — a $50 window.
4 states sit within three percent of the $5,200 here, against 5 at the moderate row.
| Rank | State | Median |
|---|---|---|
| 30 | Florida | $1,400 |
| 31 | Wyoming | $1,350 |
| 32 | Georgia | $1,300 |
| 33 | Louisiana | $1,300 |
| 34 | Missouri | $1,300 |
| Rank | State | Median |
|---|---|---|
| 20 | Wisconsin | $5,350 |
| 21 | Arizona | $5,200 |
| 22 | Georgia | $5,200 |
| 23 | Oregon | $5,150 |
| 24 | Florida | $5,100 |
In Georgia a bankruptcy is 6th of 8 at $3,100, between Immigration and Estate Planning / Probate. At 31% of Criminal Defense ($10,150).
The state does not rank uniformly. Georgia is 15th of 47 for Personal Injury but 33rd for Real Estate Closing, a 18-place spread across the matter types tracked here, so its 33rd on bankruptcy says little about what the other lines cost.
Georgia is not equally priced in every practice area. Measured against each matter's own midpoint, Divorce runs 5% above its own midpoint while Real Estate Closing runs 15% below its own midpoint — a 20-point spread between the extremes.
The largest tracked median in Georgia is 5.3x the smallest, effectively the 5.1x that the typical state records: the internal spread is ordinary even where the levels are not.
1 of 8 matter types rank Georgia in the upper third, 0 in the lower, 7 between; bankruptcy is 33rd.
In percentile terms it sits at the 30th percentile of the 47 tracked states.
| Matter | Simple | Moderate | Complex | Hours | Rank | vs mid | Above |
|---|---|---|---|---|---|---|---|
| Criminal Defense | $3,250 | $10,150 | $29,900 | 36 | 27th | level | Alaska |
| Divorce | $2,800 | $8,950 | $19,150 | 31 | 22nd | +5% | Minnesota |
| DUI / DWI | $3,250 | $7,700 | $17,000 | 30 | 24th | +3% | Utah |
| Personal Injury | $1,500 | $5,150 | $14,000 | — | 15th | −1% | District of Columbia |
| Immigration | $2,000 | $4,400 | $11,350 | 17 | 29th | −7% | Idaho |
| Bankruptcy | $1,300 | $3,100 | $5,200 | 13 | 33rd | −14% | North Carolina |
| Estate Planning / Probate | $600 | $2,050 | $5,750 | 8 | 24th | −1% | Wisconsin |
| Real Estate Closing | $1,000 | $1,900 | $4,050 | 8 | 33rd | −15% | West Virginia |
Simple tier. $1,300 ÷ $190 = about 7 hours, spread over 3-4 months at roughly $371 a month. The $1,800 step to the moderate tier is 6 more hours at that rate.
Work against price. $3,100 to $5,200 is a $2,100 step, mostly work: 5 more hours at $240 is $1,200, while moving to $285 across 18 hours adds $810. Work carries 60%.
Borrowing the wrong row. Indiana ($3,100) is $0 light, North Carolina ($3,150) is $50 heavy — but the $3,600 table midpoint is out by $500, 10x the neighbour error.
Contested against simple. At Georgia's own recorded figures, $5,200 buys 4 matters at the $1,300 simple median — or, counted in time, 18 implied hours against 7, a factor of 2.6 — the two ratios differing because the rate rises with the tier.
Verified June 2026. Filing fees change on the Georgiacourt's own schedule; billing models are covered in the legal fees guide.
This tool provides general cost estimates for informational purposes only. It is NOT legal advice. Costs vary significantly based on individual circumstances. Consult a licensed attorney in your jurisdiction for specific guidance.