How to File Chapter 7 Bankruptcy Without a Lawyer

Filing a chapter 7 bankruptcy without a lawyer can save you money, but this also means you will be responsible for all the required paperwork and documents. It will take some patience and research to get everything completed when filing a chapter 7 bankruptcy.

• Get a copy of all three credit reports and make a list of all three of the creditors. Get current statements and collection letters from any creditors you’ve been receiving correspondence from. Some creditors may not report to all three credit bureaus so it is important to be aware of all creditors.

• Attend a credit counseling session from a trustee approved agency. Complete the credit management session online or in person. The session usually lasts around three hours and your spouse will need to attend with you if they are included in the bankruptcy filing. Request a certificate when the session is complete because you will need to provide this certificate with the bankruptcy filing.

• Request chapter 7 bankruptcy forms package from local court or online. Ask the clerk of court representative if there are any additional forms required to file a chapter 7 bankruptcy. It is better to pick up the forms in person because you can get your questions answered since you are filing without a lawyer and you want to make sure it is done right.

• Follow the directions and fill out every line on the forms and if any questions do not apply place N/A on the line. Fill out the forms in order and do not skip any forms even if none of the questions apply. Include any required additional forms. Review all the forms and correct any errors.

• Submit the forms and pay the filing fee which is usually around $300. Include any additional fees the state may require.

• Wait for a response. Answer any correspondence that is sent from the trustee.

• Attend hearings and answer all required questions.

• Wait for the final discharge letter.