How much does a bankruptcy attorney cost in Tampa?

Bankruptcy attorney fees in Tampa range from $1,200 for Chapter 7 cases to $5,900 for complex Chapter 13 matters. Government filing fees are additional — $338 for Chapter 7, $313 for Chapter 13. Chapter 7 is generally faster (3–6 months) and less expensive than Chapter 13 (3–5 year repayment plan).

Should I file Chapter 7 or Chapter 13 in Tampa?

Chapter 7 discharges most unsecured debt quickly but requires passing a means test and may require surrendering non-exempt assets. Chapter 13 allows you to keep assets and catch up on mortgage arrears through a 3–5 year repayment plan. Your income, assets, and specific debts determine which chapter best fits your situation in Tampa.

Will bankruptcy stop foreclosure in Tampa?

Filing bankruptcy triggers the automatic stay — which stops foreclosure proceedings immediately. Chapter 13 specifically allows Tampa homeowners to catch up on mortgage arrears through the repayment plan while keeping the home. Chapter 7 stops foreclosure temporarily but does not address the underlying arrears.

What debts can't be discharged in Tampa?

Bankruptcy cannot discharge: student loans (with very limited exceptions), child support and alimony, recent tax debts (generally taxes owed for the last 3 years), criminal restitution, and debts from fraud. If your primary debt is non-dischargeable, bankruptcy may not solve your problem. A Tampa bankruptcy attorney can evaluate your specific debt profile.

How does bankruptcy affect credit in Tampa?

Chapter 7 bankruptcy remains on your credit report for 10 years; Chapter 13 for 7 years. However, many Tampa filers see their credit score improve within 12–24 months of discharge as the debt-to-income ratio improves dramatically. Rebuilding credit after bankruptcy is achievable with secured credit cards and consistent on-time payments.

How do I verify a bankruptcy attorney's licence in FL?

Verify any FL attorney's bar registration at Florida Bar: floridabar.org — verify any attorney here. Bankruptcy is a federal practice area — attorneys can represent clients in any federal bankruptcy court. Ask specifically about the attorney's experience in Tampa's federal bankruptcy court and their relationship with the local trustees.

Bankruptcy Attorney Cost in Tampa, FL — $1,200–$5,900 (2026)

Bankruptcy Attorney Cost
in Tampa, FL

📍 Tampa, FL · Updated March 2026 · ✓ Verified Tampa data · BLS cost-of-living adjusted

Budget

$1,200

Basic / entry level

Most Common

$3,450

Standard quality

Average

Premium

$5,900

High-end / complex

Price Spectrum — Tampa vs National Average

$1,200$5,900

Tampa: $3,450

National avg: $3,500

1% below national avg

Typical range$1,200–$5,900

vs national avgnear avg

Chapter 7 from$1,470

Tampa — Bankruptcy Attorney Market 2026 Data

Typical cost

$3,450

$1,200–$5,900 full range

vs national avg

2% below national

COL index 98 · baseline 100

Filing fee

~$338 Ch7 / ~$313 Ch13

Tampa market · 2026

Tampa — Bankruptcy Attorney Market2026 Data

Court US Bankruptcy Court — FL district (federal, not FL state court)
Ch7 flat fee $980–$2,156 attorney fee + $338 filing fee
Ch13 flat fee $2,940–$5,880 attorney fee + $313 filing fee
Exemptions FL's exemption laws determine which assets you keep — ask your attorney specifically about FL exemptions
Verify floridabar.org (The Florida Bar) before retaining anyone

Full Price Breakdown

Verified Tampa attorney rates — COL-adjusted

Bankruptcy Attorney Cost in Tampa — By Level

Level	Price Range	What This Gets You
Chapter 7 — debt elimination	$980	Discharge most unsecured debts in ~4 months — no repayment plan
Chapter 13 — repayment plan	$2,940	3–5 year plan to keep assets and catch up on secured debts
Complex / Business bankruptcy	$5,900	Multiple creditors, business assets, or Chapter 11 territory
Filing fees	Ch7: $338 · Ch13: $313	Federal court filing fees — separate from and in addition to attorney fees

📍 Tampa vs national average: Tampa Bankruptcy costs ($3,450) are close to the $3,500 national average. COL index 98 — national baseline is 100. Data sourced from BLS Regional Price Parities and updated quarterly.

See Tampa Quick Facts in the panel to the right — including how to verify any attorney's licence.

Bankruptcy Attorney Cost
in Tampa, FL

Full Price Breakdown

Estimate Your Cost in Tampa

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Bankruptcy Attorney Costin Tampa, FL

Full Price Breakdown

Estimate Your Cost in Tampa

Find a Verified Attorney in Tampa

Bankruptcy Attorney Cost
in Tampa, FL