Where to file bankruptcy in New Mexico

Which New Mexico court you file in, its divisions and phone, and what happens after you file.

Checked against official sources: October 25, 2026.

Short answer

New Mexico has one bankruptcy court for the whole state, in Albuquerque. You file there if you lived (were domiciled) in New Mexico for most of the 180 days before filing.

Federal bankruptcy courts: 1
Courts: U.S. Bankruptcy Court for the District of New Mexico

New Mexico bankruptcy courts and divisions

New Mexico has one bankruptcy court for the whole state, in Albuquerque. You file there if you lived (were domiciled) in New Mexico for most of the 180 days before filing. Court location: https://www.nmb.uscourts.gov/court-info/court-location

Law: 28 U.S.C. 1408

U.S. Bankruptcy Court for the District of New Mexico

Divisions: One court for the whole state; clerk's office in Albuquerque

Clerk's phone: (505) 415-7999; toll free (866) 291-6805

Court's self-help page

In nearby states

Arizona: U.S. Bankruptcy Court for the District of Arizona
Colorado: U.S. Bankruptcy Court for the District of Colorado
Texas: Northern District, Eastern District, Southern District and Western District

Steps to file in New Mexico

Find your district
The court is set by where you lived for most of the past 180 days.
Visit the court's website
Each court lists its divisions, hours and local rules: U.S. Bankruptcy Court for the District of New Mexico.
Do the first course
Use an approved agency. U.S. Trustee list of approved credit counseling agencies.
Get the forms ready
Download the official bankruptcy forms.
Get help
Ask for free help: New Mexico Legal Aid (free civil legal help if you qualify) and U.S. Bankruptcy Court, District of New Mexico: Self-Help Center (Albuquerque; for people filing without a lawyer).

Where to get free help in New Mexico

Questions about filing in New Mexico

Which bankruptcy court do I use in New Mexico?

What are the New Mexico means test numbers?

For cases filed on or after April 1, 2026: 1 person: $66,235; 2 people: $79,574; 3 people: $88,041; 4 people: $98,602; Each extra person: +$11,100.

Who helps with bankruptcy for free in New Mexico?

New Mexico Legal Aid (free civil legal help if you qualify), U.S. Bankruptcy Court, District of New Mexico: Self-Help Center (Albuquerque; for people filing without a lawyer) and State Bar of New Mexico: free monthly consumer debt workshop (Zoom) and legal clinics.

Keep reading about New Mexico

Court fees

Chapter 7 filing fee. To file Chapter 7 you pay $338 to the court: a $245 filing fee, a $78 administrative fee and a $15 trustee fee. A married couple filing one joint case pays one set of fees.

Law: 28 U.S.C. 1930(a)(1)(A); Bankruptcy Court Miscellaneous Fee Schedule, items 8 and 9 (effective December 1, 2023)

Chapter 13 filing fee. To file Chapter 13 you pay $313 to the court: a $235 filing fee and a $78 administrative fee.

Law: 28 U.S.C. 1930(a)(1)(B); Bankruptcy Court Miscellaneous Fee Schedule, item 8 (effective December 1, 2023)

Paying in installments. If you cannot pay the whole fee at once, you can ask to pay it in installments. File Official Form 103A with your petition. The court decides the plan: no more than 4 payments, all paid within 120 days after you file. For a good reason the court can give you more time, but the last payment must be made within 180 days. Until the fee is paid in full, you may not pay your lawyer or petition preparer.

Law: Fed. R. Bankr. P. 1006(b) (as amended Dec. 1, 2024)

Fee waiver. In Chapter 7 only, the court may waive the fee. You must have income below 150% of the official poverty line for your family size, and you must be unable to pay the fee even in installments. Ask by filing Official Form 103B with your petition. The judge decides.

Law: 28 U.S.C. 1930(f)(1); Fed. R. Bankr. P. 1006(c)

The 341 meeting

About a month after you file, you must attend the 'meeting of creditors' (341 meeting). The trustee asks you questions under oath about your property and debts. Creditors may come and ask questions. No judge attends. Chapter 7: 21 to 40 days after filing. Chapter 13: 21 to 50 days after filing. Bring photo ID and proof of your Social Security number. If you file jointly, both spouses must attend.

Law: 11 U.S.C. 341, 343; Fed. R. Bankr. P. 2003(a), 4002(b)(1)

The courses you must take

Credit counseling before you file. Before you file, you must take a credit counseling course (a 'briefing') from an agency approved by the U.S. Trustee Program. You must take it within 180 days before you file. It can be in person, by phone or online, alone or in a group. Keep the certificate: you file it with your case. If you skip it, your case can be dismissed.

Law: 11 U.S.C. 109(h), 111

Debtor education after you file. After you file, you must take a second, separate course on personal financial management (debtor education) from an approved provider. In most cases you get no discharge without it. Chapter 7: file the certificate within 60 days after the first date set for the meeting of creditors. Chapter 13: by the date of your last plan payment. Some providers send the certificate to the court for you.

Law: 11 U.S.C. 727(a)(11), 1328(g); Fed. R. Bankr. P. 1007(b)(7), 1007(c)(4)

Where to file bankruptcy in New Mexico

Short answer

New Mexico bankruptcy courts and divisions

In nearby states

Steps to file in New Mexico

Find your district

Visit the court's website

Do the first course

Get the forms ready

Get help

Where to get free help in New Mexico

Questions about filing in New Mexico

Keep reading about New Mexico