Illinois Northern District Bankruptcy Guide and Forms Package for Chapters 7 or 13 - Illinois 2026

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How to use or fill out Illinois Northern District Bankruptcy Guide and Forms Package for Chapters 7 or 13 - Illinois

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  1. Click ‘Get Form’ to open it in the editor.
  2. Begin by selecting the appropriate chapter for your situation: Chapter 7 for liquidation or Chapter 13 for a repayment plan. Review the eligibility criteria carefully.
  3. Fill out the Chapter 7 Statement of Your Current Monthly Income (Official Form 122A-1) if applicable. This form will help determine if you qualify based on your income relative to the state median.
  4. If your income exceeds the median, complete the Chapter 7 Means Test Calculation (Official Form 122A-2) to assess your disposable income and potential repayment ability.
  5. For Chapter 13, draft a repayment plan detailing how you intend to pay back creditors over three to five years. Ensure all debts are listed accurately.
  6. Review all completed forms for accuracy and completeness before submission. Utilize our platform’s features to sign and save your documents securely.

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When you submit your bankruptcy petition, the court will charge you an initial filing fee. The filing fee for Chapter 7 is $335, and the cost for filing Chapter 13 is $310.
Thanks to inflation, you can make over $100,000 and still file for Chapter 7 bankruptcy. Here in Illinois, a married couple without children can make up to $84,000 and still qualify for Chapter 7 bankruptcy. Even a family of 4 can make $120,000 and still be qualified to file Chapter 7.
For example, as of 2025, the monthly income limit is $5,030 for a single-person household and $8,620 for a four-person household. The fastest way to get clarity is to speak with an California Bankruptcy Attorney who can evaluate your exact numbers and guide you toward relief.
While individuals can file a bankruptcy case without an attorney or pro se, it is extremely difficult to do it successfully. It is very important that a bankruptcy case be filed and handled correctly. The rules are very technical, and a misstep may affect a debtors rights.

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