Confirm Chapter 7 eligibility and review exemptions in your state
Complete required credit counseling from an approved agency within 180 days before filing
Gather documents: ID, proof of income, tax returns (typically last 2 years), pay stubs, bank statements, benefit statements, debt statements, lease/mortgage info, vehicle titles/loan info, and a list of creditors
Request and review your credit report and prepare a list of all debts and creditors
Choose whether to file alone or with a bankruptcy attorney
Complete bankruptcy forms (petition, schedules, means test forms, statement of financial affairs, creditor matrix, and other required documents)
File the petition and schedules with the U.S. Bankruptcy Court for your district
Pay the filing fee or request a fee waiver/installment plan if eligible
Submit creditor matrix and all required documents to the court
Attend the meeting of creditors (341 meeting) and answer questions under oath
Provide requested documents to the trustee promptly
Complete the required debtor education course after filing (but before discharge) from an approved provider
Wait for the trustee’s review and any creditor objections
Receive the discharge order (unless denied or delayed)
Follow post-filing requirements such as keeping required payments current, complying with court orders, and maintaining required insurance for collateral