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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 debt to file bankruptcy, so the amount does not matter.
An individual cannot file under chapter 13 or any other chapter if, during the preceding 180 days, a prior bankruptcy petition was dismissed due to the debtors willful failure to appear before the court or comply with orders of the court or was voluntarily dismissed after creditors sought relief from the bankruptcy
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.
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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Individuals can file bankruptcy without an attorney, which is called filing pro se. However, seeking the advice of a qualified attorney is strongly recommended because bankruptcy has long-term financial and legal outcomes.

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