What would it cost me to file for a chapter 7or 13

Attorneys do not all charge the same amounts and the amounts are very different for the two chapters you listed.  As an example, for a Chapter 7 case with a competent attorney you will be looking at somewhere between $2,000-$3,000 for most types of cases, with all fees and costs included. See more information on bankruptcy costs and fees and what to look for when hiring an attorney. If you would like to schedule a free consultation to go over your situation and get a fee quote, please visit https://www.bklaw.com/consultmain/individual/