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 New Hampshire, including attorney fees, court costs, and other expenses.
As of June 29, 2026, a bankruptcy in New Hampshire costs on average $4,050, typically $2,900-$5,800 for a moderate-complexity case, based on sourced attorney-fee and court-cost data. Typical attorney rates run $205 to $380 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 | $1,050 | $1,600 | $2,700 | 3-4 months |
| Moderate | $2,900 | $4,050 | $5,800 | 3-5 years |
| Complex | $3,350 | $5,550 | $8,900 | 3-5 years |
Last verified: June 2026
$205 – $380/ hour
Median: $290/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 New Hampshire. The recorded median total is $4,050, with reported quotes clustering between $2,900 and $5,800. Each statutory line below is sized against that median.
Added together the itemised lines come to $363–$413, which leaves roughly $3,637–$3,687 of the New Hampshire 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 $4,050, the median bankruptcy cost in New Hampshire runs 16% above the $3,479 national average across all 50 states and DC.
New Hampshire carries 3 rows — simple, $1,050–$2,700 at $175–$320/hr over 3-4 months; moderate, $2,900–$5,800 at $205–$380/hr over 3-5 years; complex, $3,350–$8,900 at $235–$470/hr over 3-5 years — on 5 shared citations. Those figures put it in the top quarter of the table.
$4,050 is a median, not the middle of the band — $1,150 above the $2,900 floor, $1,750 under the $5,800 ceiling. Every rank below is out of 47.
New Hampshire ranks 12th of 47 tracked states for a bankruptcy, inside the highest-cost quarter of the table. The gap to the $3,600 midpoint is $450 — 13% — and only 11 states record a higher median.
Minnesota ($4,050) and Texas ($3,950) bracket New Hampshire inside a $100 window — narrow enough that 12th is close to arbitrary.
4 tracked states — Rhode Island, Washington, Minnesota, Texas among them — record a median within three percent of New Hampshire's $4,050. The figure sits in the densest part of the bankruptcy distribution, where a rank change of several rows costs only a few hundred dollars.
The two measures nearly agree: 10th of 47 on hourly rate at $290 an hour, 12th on total cost, 2 places apart.
| Rank | State | Median | Against New Hampshire |
|---|---|---|---|
| 6 | New York | $4,300 | +$250 |
| 7 | Virginia | $4,300 | +$250 |
| 8 | District of Columbia | $4,200 | +$150 |
| 9 | Rhode Island | $4,100 | +$50 |
| 10 | Washington | $4,100 | +$50 |
| 11 | Minnesota | $4,050 | −$0 |
| 12 | New Hampshire | $4,050 | — |
| 13 | Texas | $3,950 | −$100 |
| 14 | Illinois | $3,900 | −$150 |
| 15 | Wisconsin | $3,900 | −$150 |
| 16 | Maryland | $3,800 | −$250 |
| 17 | Nevada | $3,800 | −$250 |
| 18 | New Jersey | $3,800 | −$250 |
The 12th position is not a stable fact about New Hampshire: $0 up or $100 down moves New Hampshire a row, and a ten percent revision in either direction would cross 20 rows, 10 above and 10 below in near-equal numbers.
Climbing five places would mean passing Virginia, District of Columbia, Rhode Island, Washington, Minnesota and adding $250 to the $4,050 recorded here.
Five places down means passing under Texas, Illinois, Wisconsin, Maryland, Nevada: $250.
$350 short of Hawaii ($4,400), $1,700 clear of Kentucky ($2,350).
At $290 an hour, the $4,050 median represents about 14 hours of attorney time — a matter measured in days of work, not weeks. That rounds to the same 14 hours as the peer median, so on workload New Hampshire is indistinguishable from the middle of the table at this precision.
The escalation is comparatively shallow on hours. A complex bankruptcy costs 3.5x a simple one in New Hampshire, but the implied workload only rises 2.3x — 7 hours at $235 becomes 16 hours at $350 — meaning the senior-rate premium of 1.49x carries an unusually large share of the increase.
From $2,900 to $5,800 the moderate band is $2,900 wide, close to the $2,550 peer median. End to end that is 10 hours at $290.
By implied hours New Hampshire falls to 27th of 47 at 14 hours, 15 places below its 12th on cost — the bankruptcy total arriving on less recorded work.
24% up the $2,900–$5,800 band sits the $3,600 table midpoint, buying 12 hours at $290 against the 14 the local bankruptcy median implies — 2 hours apart.
| Measure | New Hampshire | Rank |
|---|---|---|
| Moderate median | $4,050 | 12th |
| Hourly median | $290 | 10th |
| Implied hours | 14 | 27th |
| Simple median | $1,600 | 18th |
| Complex median | $5,550 | 16th |
$290 an hour puts New Hampshire between Massachusetts ($290) and Rhode Island ($290) — not the bankruptcy cost pairing.
4 other states record exactly $290 — District of Columbia, Maryland, Massachusetts, Rhode Island among them — so rate is a coarse instrument in this bankruptcy table.
$4,050 buys 17 hours at $235, 14 at $290, 12 at $350.
| Rank | State | Median rate |
|---|---|---|
| 8 | Maryland | $290 |
| 9 | Massachusetts | $290 |
| 10 | New Hampshire | $290 |
| 11 | Rhode Island | $290 |
| 12 | Alaska | $285 |
The ranking barely moves across tiers — 18th at the simple tier, 12th at moderate, 16th at complex of 47 — so New Hampshire keeps roughly the same relative position whether the bankruptcy is straightforward or contested.
$1,600 is 18th of 47 on a straightforward bankruptcy, under Pennsylvania ($1,650) and over Alaska ($1,550), $100 over the $1,500 tier midpoint.
$5,550 is 16th of 47 once contested, between California ($5,600) and Illinois ($5,500), $450 off the $5,100 tier midpoint.
$200 separates the simple ceiling of $2,700 from the moderate floor of $2,900, so the first escalation is a clean break, while the moderate and complex bands overlap from $3,350 upward. The expensive end of a routine bankruptcy and the cheap end of a contested one are the same money in New Hampshire.
| Tier | New Hampshire | Rank | Tier midpoint | Implied hours |
|---|---|---|---|---|
| simple | $1,600 | 18th | $1,500 | 7 |
| moderate | $4,050 | 12th | $3,600 | 14 |
| complex | $5,550 | 16th | $5,100 | 16 |
$1,600 drops New Hampshire to 18th of 47 on straightforward matters, 6 below its moderate position and $100 (7%) over the $1,500 tier midpoint.
7 implied hours at $235: 50% of the moderate tier's 14, over 3-4 months.
Pennsylvania ($1,650) and Alaska ($1,550) bracket it — a $100 window.
Nothing else sits within three percent of the $1,600 here, against 4 at the moderate tier.
$5,550 drops New Hampshire to 16th of 47 on contested matters, 4 below its moderate position and $450 (9%) over the $5,100 tier midpoint.
16 implied hours at $350: 114% of the moderate tier's 14, over 3-5 years.
California ($5,600) and Illinois ($5,500) bracket it — a $100 window.
7 states record a complex-tier median within three percent of $5,550, denser than the 4 around the moderate row.
| Rank | State | Median |
|---|---|---|
| 16 | Oregon | $1,650 |
| 17 | Pennsylvania | $1,650 |
| 18 | New Hampshire | $1,600 |
| 19 | Alaska | $1,550 |
| 20 | District of Columbia | $1,550 |
| Rank | State | Median |
|---|---|---|
| 14 | Minnesota | $5,650 |
| 15 | California | $5,600 |
| 16 | New Hampshire | $5,550 |
| 17 | Illinois | $5,500 |
| 18 | District of Columbia | $5,450 |
In New Hampshire a bankruptcy is 6th of 8 at $4,050, between Personal Injury and Estate Planning / Probate. At 33% of Criminal Defense ($12,450).
Across practice areas New Hampshire ranges from 2nd of 47 for Estate Planning / Probate to 12th for Bankruptcy — a 10-place spread, with its 12th on bankruptcy inside it.
New Hampshire is not equally priced in every practice area. Measured against each matter's own midpoint, Immigration runs 29% above its own midpoint while Real Estate Closing runs 12% above its own midpoint — a 17-point spread between the extremes.
The largest tracked median in New Hampshire is 5x the smallest, effectively the 5.1x that the typical state records: the internal spread is ordinary even where the levels are not.
Every one of the 8 matter types tracked for New Hampshire places it in the upper third of its table, which is why the 12th on bankruptcy is not an outlier.
In percentile terms it sits at the 76th percentile of the 47 tracked states.
| Matter | Simple | Moderate | Complex | Hours | Rank | vs mid | Above |
|---|---|---|---|---|---|---|---|
| Criminal Defense | $3,900 | $12,450 | $32,250 | 36 | 3rd | +22% | Rhode Island |
| Divorce | $3,800 | $10,350 | $27,400 | 30 | 10th | +21% | Colorado |
| DUI / DWI | $4,200 | $8,600 | $19,550 | 27 | 11th | +15% | District of Columbia |
| Immigration | $2,300 | $6,150 | $13,300 | 19 | 6th | +29% | Washington |
| Personal Injury | $1,850 | $5,900 | $17,650 | — | 4th | +13% | Illinois |
| Bankruptcy | $1,600 | $4,050 | $5,550 | 14 | 12th | +13% | Minnesota |
| Estate Planning / Probate | $750 | $2,550 | $7,550 | 8 | 2nd | +23% | Hawaii |
| Real Estate Closing | $1,150 | $2,500 | $5,750 | 9 | 10th | +12% | District of Columbia |
Simple tier. $1,600 ÷ $235 = about 7 hours, spread over 3-4 months at roughly $457 a month. The $2,450 step to the moderate tier is 7 more hours at that rate.
Work against price. $4,050 to $5,550 is a $1,500 step weighted toward price: 2 more hours at $290 is $580, but $350 across 16 hours adds $960 — 62% of it.
Borrowing the wrong row. Texas ($3,950) is $100 light, Minnesota ($4,050) is $0 heavy — but the $3,600 table midpoint is out by $450, 5x the neighbour error.
Contested against simple. At New Hampshire's own recorded figures, $5,550 buys 3.5 matters at the $1,600 simple median — or, counted in time, 16 implied hours against 7, a factor of 2.3 — the two ratios differing because the rate rises with the tier.
Verified June 2026. Filing fees change on the New Hampshirecourt'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.