It seems a little ironic that when an individual has to go bankrupt that it is going to cost them extra to do so. There are bankruptcy fees that have to be paid. You may have heard that you can apply for a waiver, but before doing this give it some careful thought.
If you are thinking about using a Houston bankruptcy attorney to assist you with your case, (and you should), then you may have difficulty being approved for a waiver. The Bankruptcy fee waiver requires you to fill out a form that contains a series of questions. One of those questions is whether you have paid or are promising to pay an attorney in connection with your case. The government basically feels that if you can afford to pay an attorney then you can afford to pay your bankruptcy fees.
A better alternative would be to if possible use your tax return to cover these fees and your legal fees as well. If this is not an option, then consider trying to borrow the money from friends or relatives. They may be reluctant to make this small loan based on your financial situation. You should explain to them that you will be in a much better financial situation to pay the money back once your bankruptcy has been successfully concluded. It is disheartening having to borrow money when you are already in such a tight financial position, but by explaining the need and the fact that you are going to use the services of a bankruptcy attorney to assist you, it should give them the confidence needed that you will be able to repay the loan