roughly, about how much will Chapter 7 or 13 cost?

That is something that will depend on the facts of your case and jurisdiction where your case would be filed. If you are trying to stop a foreclosure and catch up on past due payments, most likely you are looking at a Chapter 13 case.  In a Chapter 13, part of your attorney's fees can be taken from the monthly payments you will be required to make, so it really depends on what those payments will be to determine how much you would have to pay prior to filing your case. The only way to find out is to schedule a consultation with a qualified bankruptcy attorney in your area.   If you live in the Greater Los Angeles Area (other than Riverside/San Bernardino) I am happy to give you a consultation to go over your eligibility, options and questions.  Click here to prepare for and schedule an appointment.