Filing Chapter 7 Bankruptcy by Yourself

Hundreds of thousands of people are reported as filing chapter 7 bankruptcy every year in the United States. Unfortunately, in this recession, the number of consumers filing chapter 7 bankruptcy has risen more and faster than ever before. If you are one of the many people facing deep debt due to job loss or another unforeseen event, filing chapter 7 bankruptcy might be the fastest and most efficient way for you to resolve your debt. When you’ve sought expert advice, explored all your alternatives and it is obvious that filing chapter 7 bankruptcy is the only way out, you will have to know how to file your petition quickly and correctly. It is always to be advised to retain the services of a qualified attorney to represent you throughout your bankruptcy filing, but if you can’t afford an attorney, it is still better to go ahead with filing chapter 7 bankruptcy by yourself than not filing at all and letting the situation get even worse. What follows is a brief and general overview of how to file chapter 7 bankruptcy by yourself.



When filing chapter 7 bankruptcy without legal representation, it is essential to follow all instructions about how to file as they are given on the bankruptcy forms, as well by individual district bankruptcy courts. The first step in filing chapter 7 bankruptcy by yourself is to complete the mandatory credit counseling within six months prior to filing chapter 7 bankruptcy. Furthermore, before finding out how to file, it is important to determine which chapter you must file.



Enquire at your district bankruptcy court where you can take the means test, make sure you have proof that you have taken it and that filing chapter 7 bankruptcy is the applicable solution for you. Next, you must obtain the bankruptcy forms. You can download them from the appropriate government website, as well as instructions how to file chapter 7, or you can get them at your district courthouse where you can also request instructions on how to file chapter 7. It is helpful to know that there are a number of helpful websites that provide clear instructions on how to file your petition, as well as calculation tools and other shortcuts to fill out your petition. Before filing your petition in hardcopy at your district’s bankruptcy court, make sure it is complete and correct to ensure it is not rejected.



The author regularly writes on bankruptcy related issues like filing bankruptcy, chapter 13 bankruptcies and chapter 7 bankruptcy etc. If you are looking for more Specific information like Choosing to File Bankruptcy in Costa Mesa, CA etc., visit http://www.orangebankruptcy.org/.