Most debt collection actions against the debtor or the debtor’s property stop by filing under Chapter 13. This is called “automatic stay.” In order to file for bankruptcy, a debtor has to complete following forms.
- Signed Voluntary Petition
- Statement of Compliance with Credit Counseling Requirement
- Budget and Credit Counseling Certificate (A debtor should have completed budget and credit counseling before filing for bankruptcy)
- Signed Notice to Consumer Debtor
- Statement of Social Security Number
- Disclosure of Marital Status
- Certificate of Disclosure of Community Information
Filing fees may differ for a Chapter 7 case and a Chapter 13 case.
Apart from the above documents, a debtor may also have to file the following.
- Non-filing spouse information
- Summary of Schedules and statistical summary of certain liabilities and related data
- Schedule regarding real property
- Schedule regarding personal property
- Schedule regarding property claimed exempt
- Schedule regarding creditors holding unsecured priority claims
- Schedule regarding co-debtors
- Schedule regarding current income of individual debtor
- Schedule regarding current expenditure of individual debtor
- Declaration concerning debtor’s schedules, and
- Statement of financial affairs