Chapter 7 (“liquidation”) bankruptcy can discharge many unsecured debts. The usual process is: (1) confirm you’re eligible under Chapter 7 means-testing rules, (2) complete required credit counseling before filing, (3) gather financial documents and complete bankruptcy forms, (4) file a petition and schedules with the
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Overview: Chapter 7 bankruptcy steps
Chapter 7 (“liquidation”) bankruptcy can discharge many unsecured debts. The usual process is: (1) confirm you’re eligible under Chapter 7 means-testing rules, (2) complete required credit counseling before filing, (3) gather financial documents and complete bankruptcy forms, (4) file a petition and schedules with the bankruptcy court, (5) pay required filing fees or request a fee waiver/installments if eligible, (6) attend the 341 meeting of creditors, and (7) complete any required debtor education course. If the trustee administers non-exempt assets, the case concludes with potential discharge.
Eligibility, required courses, and filing
Before filing, you generally must take a court-approved credit counseling course within 180 days of filing and keep the certificate. Eligibility depends on your income and the means test; some people must file under Chapter 13 instead. You’ll also need to list creditors, income, expenses, assets, liabilities, and recent financial transactions. Many courts require specific form sets and local rules, so accuracy matters—errors can delay or jeopardize discharge.
After filing: 341 meeting and discharge
After filing, an automatic stay usually stops many collection actions. You’ll receive a notice of the 341 meeting, where the trustee and creditors may ask questions. You must provide requested documents promptly. After the trustee’s review and any asset administration, you typically receive a discharge if you comply with requirements. Certain debts (like some taxes, student loans in limited circumstances, and child support) may not be discharged.
