Gather required information and documents (income, expenses, debts, assets, recent pay stubs, tax returns, bank statements, creditor details)
Complete a credit counseling course from an approved agency before filing
Choose the correct bankruptcy chapter (typically Chapter 7 or Chapter 13) based on eligibility and goals
Confirm eligibility for Chapter 7 (means test) if pursuing Chapter 7
Complete bankruptcy forms (petition, schedules, statement of financial affairs, means test forms if required)
Prepare a list of creditors and the amount owed to each
Obtain required credit counseling certificate and include it with the filing
File the bankruptcy petition and forms with the bankruptcy court in your district
Pay the filing fee or request a fee waiver or installment plan if eligible
Submit additional required documents (credit counseling certificate, payment/means test paperwork, employer and income documentation as applicable)
Attend the meeting of creditors (341 meeting) and answer questions under oath
Complete any required debtor education course after filing and file the certificate with the court
Follow the case requirements (plan payments for Chapter 13, compliance with court orders, disclosure of changes)
Address secured debts and reaffirmation or surrender decisions as applicable
Maintain required insurance and keep up with ongoing obligations specified by the court or trustee
Wait for discharge and confirm discharge status through the court docket
If you have questions specific to your situation, consult a bankruptcy attorney or legal aid organization