Determine whether bankruptcy is the right option for your situation
Identify the type of bankruptcy you may qualify for
Gather financial records, debts, income, assets, and expenses
Complete required credit counseling from an approved provider
Obtain the certificate of credit counseling
Prepare the bankruptcy petition and required forms
List all creditors, debts, property, income, and recent financial transactions
File the petition and forms with the bankruptcy court
Pay the filing fee or request a fee waiver or installment plan if eligible
Receive the case number and court notices after filing
Attend the meeting of creditors
Provide any additional documents requested by the trustee
Complete any required debtor education course
Follow all court deadlines and instructions
Wait for the court to discharge eligible debts if approved