Confirm you qualify for Chapter 13 bankruptcy
Complete required credit counseling from an approved agency
Gather financial documents
List all assets, debts, income, and expenses
Decide whether to hire a bankruptcy attorney
Prepare the Chapter 13 petition and schedules
Prepare the Chapter 13 repayment plan
File the bankruptcy forms with the bankruptcy court
Pay the required filing fee or request a fee waiver or installment plan if eligible
Receive the automatic stay after filing
Attend the meeting of creditors
Make required plan payments to the Chapter 13 trustee
Complete any required financial management course
Respond to trustee or creditor objections if needed
Attend the confirmation hearing
Follow the confirmed repayment plan
Keep making payments for the full plan term
Complete all required filings and disclosures during the case
Receive the discharge after successful plan completion