how to file bankruptcy chapter 7

To file for Chapter 7 bankruptcy, here are the key steps:

1. Gather financial documents to assess your debts, income, assets, and expenses, including tax returns, pay stubs, bank statements, and creditor information.
2. Complete a credit counseling course from an approved provider within 180 days before filing. You must provide a certificate of completion with your filing.
3. Fill out and prepare the required bankruptcy forms, including the petition, schedules of assets and liabilities, statement of financial affairs, and other required documents.
4. Pay the filing fee (usually around $338) or apply for a fee waiver or installment plan if you cannot pay.
5. File your completed forms with the bankruptcy court serving your area. Some courts require physical filing and copies, so check your local court requirements.
6. Submit required documents such as your tax return copies to the court and the assigned bankruptcy trustee.
7. Attend a 341 meeting of creditors, where the trustee and creditors may ask questions about your financial situation.
8. After filing, take a financial management course as required before receiving your discharge.
9. The court issues a notice of discharge if your case is successful, which legally relieves you from eligible debts under Chapter 7.

Eligibility includes passing a means test based on income and completing credit counseling. The entire process is overseen by a court-appointed trustee to ensure fairness. This summary is based on information from official court sources and bankruptcy assistance websites as of 2025.