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How to File for Chapter 7

When your debts become too much, it might seem impossible to get out of this situation. Bankruptcy might be your only option, and different variations exist depending on the debtor’s needs. Chapter 7 is a common type, and it is important to know what to expect during the filing process.


Chapter 7 is the most common type of bankruptcy that gets filed in the United States, so most bankruptcy attorneys are familiar with it. If you want to file for Chapter 7, you will need to file a petition with the courts. Numerous documents will need to be filled out, and these documents range in topics. You will need to provide information related to:
  • Your income
  • Your property
  • Information related to your creditors
  • Any co-debtors you have
There will be a small fee you have to pay to file a petition. In the event you cannot pay that fee, you should seek a waiver.


After your petition is filed and approved, you will need to schedule a meeting with your creditors. If you miss this meeting, then your petition will automatically be thrown out. It can occasionally be rescheduled if something comes up.
To help get you through this time, you should seek the services of a bankruptcy lawyer. If you require representation, call Terry E. Hurst Attorney At Law at 423-623-1573.