The Basics of Chapter 7 Bankruptcy in Idaho

Most people who file bankruptcy choose Chapter 7, which is referred to as a liquidation bankruptcy, instead of a Chapter 13 reorganization. Both are governed by Title 11 of the U.S. Code. When you file a Chapter 7 bankruptcy, your property may be sold in order to help pay your debts. However, specified property is exempt under federal law.

Some states have a different list of exempt property, however. When you file for bankruptcy in Idaho, you must use the Idaho bankruptcy exemptions. We’ll go into what those are in just a minute.

Before you can file for bankruptcy in Idaho, you must first get credit counseling from an agency approved by the U.S. bankruptcy trustee in Idaho. You have to do this within six months prior to filing.

In addition, you have to take a debtor education course from an approved debtor education agency before the court will grant you a discharge in bankruptcy.

Cost to file chapter 7 in Idaho

The chapter 7 filing fees in Idaho are $338, but that doesn’t tell the whole story of the real cost to file bankruptcy. Bankruptcy lawyers usually charge between $1,000 and $2,000 to file a chapter 7 case, in addition to the filing fee.

Idaho Bankruptcy Court Locations

The U.S. Bankruptcy Court for the District of Idaho has four divisions in the state: Southern, Northern, Central, and Eastern. See below for more information on where you may file for bankruptcy in Idaho.


Where: James A. McClure Federal Building and United States Courthouse, 550 W. Fort St., Suite 400, Boise ID 83724

Phone: (208) 334-1361, (866) 496-1250 (toll free)

Coeur d’Alene

Where: U.S. District & Bankruptcy Courthouse, 6450 N. Mineral Drive, Coeur d’Alene ID 83815

Phone: (208) 665-6850, (866) 299-5515 (toll free)


Where: U.S. District & Bankruptcy Courthouse, 220 E. Fifth St., Moscow ID 83843

Phone: None, only open for scheduled hearings; direct any correspondence or pleadings to the Coeur d’Alene office


Where: U.S. District & Bankruptcy Courthouse, 801 E. Sherman St., Room 119, Pocatello ID 83201

Phone: (208) 478-4123, (866) 444-6086 (toll free)

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