Check eligibility for Chapter 7 using the means test (or consult a free legal aid clinic)
Gather required forms and documents (income, expenses, debts, tax returns, pay stubs, bank statements, identification)
Complete credit counseling before filing (use an approved agency)
File the Chapter 7 petition, schedules, statements, and required disclosures with the bankruptcy court
Include required filing fees or request a fee waiver if eligible
Request a waiver of the credit-counseling fee if available through the counseling provider or court process
Ask the court about filing fee installment plans if fee waiver is not available
Request a waiver or reduction of other required costs where permitted (local court rules may vary)
Use a bankruptcy petition preparer or legal aid services if you cannot afford an attorney (verify they are authorized and compliant with your state’s rules)
File pro se using the court’s self-help resources and forms (many courts provide fillable forms and instructions)
Keep required property exemptions in mind and list all assets accurately to protect property under your state exemption rules
Attend the 341 meeting of creditors and bring any requested documents
Provide any additional documents promptly if the trustee requests them
If you cannot afford attorney help, consider a limited-scope consultation for review of forms before filing
Avoid “bankruptcy help” scams; use only court-approved or reputable legal aid/attorney services
Confirm your state’s specific local rules and exemption forms before filing
If you are unsure about eligibility or exemptions, contact local legal aid or a pro bono intake service before filing