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You can get local bankruptcy form information from the bankruptcy court clerk, a bankruptcy attorney near you, or your local bankruptcy courts website. Many courts provide guidelines on the navigation bar under Forms or Filing Without an Attorney.
Chapter 7 bankruptcy is faster and cheaper than Chapter 13. Chapter 7 bankruptcy discharges, or erases, eligible debts such as credit card bills, medical debt and personal loans. But other debts, such as student loans and taxes, typically are harder to get discharged.
A bankruptcy case normally begins when the debtor files a petition with the bankruptcy court. A petition may be filed by an individual, by spouses together, or by a corporation or other entity. All bankruptcy cases are handled in federal courts under rules outlined in the U.S. Bankruptcy Code.
There is no minimum amount of debt required to file for bankruptcy. Because of legal fees and long-term financial consequences, it may not be worth filing with less than $10,000 in dischargeable debt.
Most bankruptcy filers dont have to attend any formal court proceedings before a judge. There are some rare exceptions to this, but most of the time youll only go to court to file your paperwork with the clerk.
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As a result, concealing assets, making fraudulent transfers within one year of filing, destroying financial records or lying on bankruptcy forms will typically disqualify your case and could potentially result in criminal charges.

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