Determine whether Chapter 7 or Chapter 13 fits your situation
Confirm you meet New York and federal bankruptcy filing requirements
Complete mandatory credit counseling from an approved provider within 180 days before filing
Gather required documents, including pay stubs, tax returns, bank statements, debts, assets, and monthly expenses
Obtain and complete the official bankruptcy forms for your chapter
Fill out the means test if filing Chapter 7
List all creditors, assets, income, expenses, and recent financial transactions accurately
Review New York bankruptcy exemptions to protect eligible property
File your petition and schedules with the correct U.S. Bankruptcy Court for your New York district
Pay the filing fee or request to pay in installments or apply for a fee waiver if eligible
Receive your case number and automatic stay protection
Mail or otherwise provide required documents to the bankruptcy trustee
Attend the meeting of creditors under oath
Complete the required debtor education course after filing
File any additional documents or amendments requested by the court or trustee
Follow all court deadlines and respond promptly to notices
Complete Chapter 13 plan payments if filing Chapter 13
Wait for discharge if you meet all requirements and no objections are sustained