Contact a bankruptcy attorney about a fee waiver, payment plan, or reduced flat fee
Ask the court about filing fee installments for Chapter 13
Gather required documents before filing
Complete the Chapter 13 petition and schedules
File the case with the bankruptcy court
Request a filing fee installment plan if you cannot pay the full fee upfront
Prepare the Chapter 13 repayment plan
Attend the meeting of creditors
Make the first plan payment on time
Keep making all required plan payments
Complete the required credit counseling and debtor education courses
Use local legal aid, pro bono services, or bankruptcy clinics if you cannot afford counsel