How Do You File Chapter 7 Bankruptcy Without A Lawyer?
• Determine if you actually qualify to file for Chapter 7 bankruptcy. The qualification is based on your income and family size relative to the state you are filing in. This is done by filling out a federal form called the “Means Test”. The form provided by the federal government at is very user UN-friendly, but you can find a simplified Free Means Test online. [1][2] It is a lengthy form, but more than likely you’ll only have to answer the first 15 questions. If you do not qualify, your only option would be a Chapter 13 “debt consolidation”. • Order a copy of your credit report from all 3 credit bureaus. You want all three credit reports because all of your creditors do not report to all 3 bureaus. What is on one report might not be on the other. Your credit report will have the addresses of your creditors and you need their addresses to fill out the bankruptcy forms. • Take your mandatory credit counseling course. It sounds intimidating, but it is actually a no-fail online course tha
