Arkansas Eastern District Bankruptcy Guide and Forms Package for Chapters 7 or 13 - Arkansas 2025

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Bankruptcy Filing Fees The Chapter 7 bankruptcy filing fee is $338 ($245 filing fee $78 administrative fee + $15 trustee surcharge). The Chapter 13 bankruptcy filing fee is $313 ($235 filing fee + $78 administrative fee).
The biggest difference between Chapter 7 and Chapter 13 is that Chapter 7 focuses on discharging (getting rid of) unsecured debt such as credit cards, personal loans and medical bills while Chapter 13 allows you to catch up on secured debts like your home or your car while also discharging unsecured debt.
What Will Happen to My Home and Car If I File Bankruptcy in Arkansas? In most cases you will not lose your home or car during your bankruptcy case as long as your equity in the property is fully exempt.
How Much Does It Cost to File for Bankruptcy? All filers pay a $338 filing fee in Chapter 7 unless the court grants a fee waiver and a $313 filing fee in Chapter 13 (amounts current as of August 2023). Youll also pay approximately $50 to $75 for credit counseling and debt management courses.
If your total monthly income over the course of the next 60 months is less than $7,475 then you pass the means test and you may file a Chapter 7 bankruptcy. If it is over $12,475 then you fail the means test and dont have the option of filing Chapter 7.
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