APPLICATION FOR WAIVER OF THE CHAPTER 7 FILING FEE FOR 2025

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If you cant afford the filing fee, you can ask the court for a fee waiver in order to file for free. With a fee waiver, you also may not have to pay for certified copies, sheriffs service of process fees, or other costs related to starting a case, such as the cost for a court reporter to be at your trial.
If your income is less than or equal to the median, the law presumes youre eligible for a Chapter 7 discharge. If your income exceeds the median, youll be eligible if you pass the second part of the means test. Youll find the state median figures on the U.S. Trustee Program website.
If you want to file Chapter 7 bankruptcy and apply for a fee waiver, you need to complete Official Form 103B: Application to Have the Chapter 7 Filing Fee Waived. To be eligible for a fee waiver, you must show the court that you cant afford to pay the fee.
An individual cannot file under chapter 7 or any other chapter, however, if during the preceding 180 days a prior bankruptcy petition was dismissed due to the debtors willful failure to appear before the court or comply with orders of the court, or the debtor voluntarily dismissed the previous case after creditors
Eligible filers are able to file Chapter 7 for free. If your household income is less than 150% of the federal poverty level, you can ask the bankruptcy judge to waive your court fees with a simple application submitted along with your bankruptcy petition.

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Furthermore, with a Chapter 7 bankruptcy, creditors can seize any nonexempt assets and sell them to repay your debts. Before pursuing bankruptcy, consider other debt-relief options, such as debt consolidation or debt settlement, which may have a less damaging impact on your credit and future financial prospects.
The court may deny a chapter 7 discharge for any of the reasons described in section 727(a) of the Bankruptcy Code, including failure to provide requested tax documents; failure to complete a course on personal financial management; transfer or concealment of property with intent to hinder, delay, or defraud creditors;
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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