How to Create Your Bankruptcy Filing
- 1). Attend credit counseling with a government-approved agency. You must receive credit counseling in the 180 days prior to filing your bankruptcy petition. You should receive a certificate of credit counseling that you will need to file with the bankruptcy court.
- 2). File your bankruptcy petition in the bankruptcy court serving your district. The petition should include your name, the last four digits of your Social Security number, any other identifying number and all other names used in the last eight years. Indicate whether the debts are primarily consumer or business. Pay a filing fee of $299 for Chapter 7 and $274 for Chapter 13. You should have already checked a box on the petition, indicating the chapter of bankruptcy you are filing. Your signature on the petition indicates that you are requesting debt relief under the federal Bankruptcy Code.
- 3). File supporting documentation within 14 days of filing your petition. You must file schedules listing property and debts, a statement of financial affairs, the certificate of credit counseling, and a statement of current monthly income if you have primarily consumer debts. You should also include a mailing list of the names and addresses of creditors and a statement containing your full Social Security number.
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