Determine whether bankruptcy is the right option for your situation
Identify the type of bankruptcy you may qualify for
Gather financial records, including income, debts, assets, expenses, and recent transactions
Complete any required credit counseling from an approved provider
Fill out the bankruptcy petition and required court forms
List all creditors, property, income, and financial obligations accurately
File the petition and forms with the correct bankruptcy court
Pay the filing fee or request a fee waiver or installment plan if eligible
Attend the mandatory meeting of creditors
Provide any additional documents requested by the trustee or court
Complete any required debtor education course
Follow all court orders and deadlines throughout the case
Wait for the court to discharge eligible debts if approved