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can someone really force you into bankruptcy lets talk about whats called involuntary bankruptcy although rarely used did you realize that someone you owe money to can force you into bankruptcy its called involuntary bankruptcy basically if you dont pay your debts to a creditor they have the option of forcing you into bankruptcy the main requirement here is that you are not paying your debts now there are some other requirements and theres some exclusions for example you cant force a bank into bankruptcy you cant force a non-profit into bankruptcy theres some other exceptions that are there but this is certainly a risk if you have substantial debts and youre not paying those debts especially if youre not making good faith effort to pay those debts if a creditor wants the Creditor can spend money to force you into bankruptcy credit is just a simple term for the person you owe money to so that how that works is the Creditor files in the bankruptcy court and asks the bankruptcy