How to File Bankruptcy
Learn how to file bankruptcy with our detailed step-by-step guide. Follow our easy instructions to get it done right.
Your Progress
0 of 6 steps completedStep-by-Step Instructions
1 Step 1: Determine Which Chapter to File
Step 1: Determine Which Chapter to File
Understand differences between Chapter 7 (liquidation) and Chapter 13 (repayment plan) bankruptcy.
Bankruptcy Guide Book
Comprehensive guide to understanding bankruptcy options
Bankruptcy Attorney Consultation
One-hour consultation with bankruptcy lawyer
2 Step 2: Complete Credit Counseling
Step 2: Complete Credit Counseling
Take an approved credit counseling course within 180 days before filing (required by law).
Approved Credit Counseling Course
Online credit counseling certification
3 Step 3: Gather Financial Documents
Step 3: Gather Financial Documents
Compile tax returns, pay stubs, bank statements, debt records, asset lists, and expense documentation.
Financial Document Organizer
Binder system for organizing bankruptcy paperwork
4 Step 4: Complete Bankruptcy Petition
Step 4: Complete Bankruptcy Petition
Fill out official bankruptcy forms detailing all debts, assets, income, expenses, and financial history.
Bankruptcy Petition Software
Software to help complete bankruptcy forms correctly
5 Step 5: File Petition and Pay Fees
Step 5: File Petition and Pay Fees
Submit completed forms to bankruptcy court with filing fee or fee waiver application.
6 Step 6: Attend 341 Meeting and Complete Course
Step 6: Attend 341 Meeting and Complete Course
Meet with creditors, complete debtor education course, and follow trustee instructions.
Debtor Education Course
Required post-filing financial management course