The costs vary from case to case. At the start of a file, a budget is prepared with the help of a qualified administrator for monthly payments to be made during the period of the bankruptcy (normally nine (9) payments in the case of a first bankruptcy) are established based on your financial capacity. Our office does not require any initial deposit or fees to open a file for a (first and second time) bankruptcy and we have a policy of monthly deposits at $160 per month and $125 per month for 24 months for a second bankruptcy (if no surplus income or asset purchase).