1. The bankruptcy chapter whether it is 7 or 13 should be fully understood. With Chapter 13 all debts are eliminated but it is more difficult to recover from this form of bankruptcy. Chapter 7 will eliminate some of the debts that are owed, and are easier to recover from as far as a credit report goes. The means test will determine which one you qualify for, once that is determined you can then prepare to deal with the bankruptcy fees.

2. You should make yourself aware of associated with both types of bankruptcy for consumers. Whether or not a bankruptcy attorney represents you will have an affect on the overall costs. There are going to be fees involved for credit counseling, the attorney and the actual filing.

3. If Chapter 7 bankruptcy is being filed using an attorney you should be prepared to pay both the fees for filing and for the attorney up front.

4. With a Chapter 13 filing the payments will be made monthly for the duration of the bankruptcy. This can be done with a wage garnishment. The payments come directly out of your paycheck, and are sent to the bankruptcy trustee until the bankruptcy is completely paid off.

5. Check with your attorney to see if you can work out a plan for the payment of the fees they charge. The credit counseling and filing fees are required to be paid at the time they are performed.

These five steps will help to ensure that there is no difficulty coping with bankruptcy fees.