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How to File Chapter 13 Bankruptcy Without an Attorney

A Comprehensive Guide for Navigating the Process Solo

Facing financial hardship is never easy; but sometimes, it’s the only path forward. If you’re struggling with overwhelming debt, filing for Chapter 13 bankruptcy might be the lifeline you need – and you don’t necessarily require an attorney to do it.While having legal representation can certainly help navigate the complexities, many individuals choose to go it alone to save on costs. The process isn’t exactly a walk in the park, but with the right preparation and guidance, you can successfully file for Chapter 13 without breaking the bank on legal fees.In this article, we’ll walk you through the nitty-gritty of filing for Chapter 13 bankruptcy without an attorney. From understanding the eligibility criteria to completing the paperwork and attending court hearings, we‘ve got you covered. Let’s dive in!

What is Chapter 13 Bankruptcy?

Before we get into the “how,” let’s quickly cover the “what.” Chapter 13 bankruptcy, also known as a “wage earner’s plan,” is a type of bankruptcy that allows individuals with a steady income to restructure their debts and pay them off over a period of three to five years.Unlike Chapter 7 bankruptcy, which involves liquidating assets to pay off creditors, Chapter 13 allows you to keep your property while making affordable monthly payments based on your disposable income.

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Eligibility Criteria for Chapter 13 Bankruptcy

Not everyone qualifies for Chapter 13 bankruptcy. Here are the key eligibility requirements:

  • You must have a regular source of income: This could be from employment, self-employment, or even social security or disability benefits.
  • Your unsecured debts (credit cards, personal loans, etc.) must be below a certain threshold, which is currently $419,275.
  • Your secured debts (mortgages, car loans, etc.) must be below $1,257,850.

If you meet these criteria, you’re eligible to file for Chapter 13 bankruptcy without an attorney.

Step 1: Get Your Finances in Order

Before you start the filing process, it’s crucial to get your financial house in order. This means gathering all the necessary documents and information about your income, expenses, assets, and debts.Here’s what you’ll need:

  • Pay stubs or proof of income for the past six months
  • Bank statements for the past six months
  • A list of all your creditors, including their names, addresses, account numbers, and outstanding balances
  • A list of all your assets, including their estimated values (e.g., real estate, vehicles, investments, etc.)
  • A detailed breakdown of your monthly living expenses (rent/mortgage, utilities, food, transportation, etc.)

Having all this information readily available will make the filing process much smoother and help you avoid any hiccups along the way.

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Step 2: Take the Credit Counseling Course

Before you can file for Chapter 13 bankruptcy, you‘re required to complete a credit counseling course from an approved agency. This course is designed to educate you on alternative debt relief options and ensure that bankruptcy is truly your best choice.You can find a list of approved credit counseling agencies on the U.S. Trustee Program website. The course typically takes around 1-2 hours and can be completed online, over the phone, or in-person.Once you‘ve completed the course, you‘ll receive a certificate that you’ll need to include with your bankruptcy filing.

Step 3: Complete the Bankruptcy Forms

This is where things can get a bit tricky if you’re filing without an attorney. The bankruptcy forms can be complex and confusing, especially if you’re not familiar with legal jargon.The good news is that you can find all the necessary forms on the U.S. Courts website, along with detailed instructions on how to fill them out.Here are some of the key forms you’ll need to complete:

  • Voluntary Petition for Individuals Filing for Bankruptcy (Form 101)
  • Statement of Financial Affairs for Individuals Filing for Bankruptcy (Form 107)
  • Schedules of Assets and Liabilities (Forms 106A/B, 106C, 106D, 106E/F, 106G, 106H, 106J)
  • Chapter 13 Plan (Form 113)

It’s crucial that you fill out these forms accurately and completely. Any mistakes or omissions could delay or even jeopardize your bankruptcy case.If you’re feeling overwhelmed or unsure about any part of the forms, consider seeking guidance from a bankruptcy lawyer or a legal aid clinic in your area.

Step 4: File the Bankruptcy Petition

Once you‘ve completed all the necessary forms, it’s time to file your bankruptcy petition with the appropriate bankruptcy court in your district.You’ll need to pay the filing fee, which is currently $338 for Chapter 13 bankruptcy. If you can’t afford the fee, you can request a fee waiver or make installment payments.When filing, you’ll also need to include:

  • The credit counseling certificate
  • A copy of your most recent tax return
  • Pay stubs or proof of income for the past six months
  • A list of creditors and their addresses

After you’ve filed, the court will assign a trustee to your case. The trustee’s role is to oversee the bankruptcy process, review your financial information, and ensure that your creditors are treated fairly.

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Step 5: Attend the 341 Meeting of Creditors

Within a few weeks of filing your petition, you’ll be required to attend a meeting with your creditors, known as the “341 meeting.” This meeting is conducted by the trustee assigned to your case and is an opportunity for your creditors to ask you questions about your financial situation and the information provided in your bankruptcy filing.It’s important to attend this meeting and be prepared to answer questions truthfully and accurately. Failure to attend or provide false information could result in your bankruptcy case being dismissed.

Step 6: Attend the Confirmation Hearing

After the 341 meeting, the next step is the confirmation hearing. This is where the bankruptcy judge will review your Chapter 13 plan and decide whether to approve it or not.During the confirmation hearing, the judge will ensure that your plan meets all the legal requirements and that it’s feasible for you to make the proposed payments. Your creditors may also object to certain aspects of your plan during this hearing.If your plan is approved, you‘ll be required to start making the agreed-upon payments to the trustee, who will then distribute the funds to your creditors according to the terms of your plan.

Step 7: Complete the Debtor Education Course

Before your Chapter 13 bankruptcy case can be officially discharged (i.e., your remaining debts are eliminated), you’ll need to complete a debtor education course. This course is designed to provide you with the knowledge and tools to manage your finances more effectively in the future.Like the credit counseling course, the debtor education course can be taken online, over the phone, or in-person from an approved agency. Once you’ve completed the course, you‘ll receive a certificate that you’ll need to file with the court.

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Step 8: Receive Your Discharge

After you‘ve made all the required payments under your Chapter 13 plan (typically over a period of three to five years), and provided the court with your debtor education certificate, you‘ll receive your discharge order.This order officially eliminates any remaining eligible debts that were included in your bankruptcy filing. It’s important to note that certain debts, such as student loans and child support obligations, are generally not dischargeable in Chapter 13 bankruptcy.

Pros and Cons of Filing Chapter 13 Without an Attorney

While it‘s certainly possible to file for Chapter 13 bankruptcy without an attorney, it‘s important to weigh the pros and cons before making a decision.Pros:

  • Cost savings: Hiring a bankruptcy attorney can be expensive, with fees ranging from $1,500 to $4,000 or more. Filing without an attorney can save you a significant amount of money.
  • Hands-on experience: Going through the process yourself can provide you with a deeper understanding of bankruptcy laws and procedures, which can be valuable knowledge for the future.
  • Increased control: Without an attorney, you’ll have more control over the decisions made throughout the bankruptcy process.


  • Complexity: Bankruptcy laws and procedures can be incredibly complex, and even a small mistake could jeopardize your case.
  • Time commitment: Preparing and filing for bankruptcy without legal assistance can be extremely time-consuming, especially if you’re unfamiliar with the process.
  • Lack of legal expertise: An experienced bankruptcy attorney can provide valuable guidance and advocacy, increasing your chances of a successful outcome.
  • Potential for mistakes: Without legal training, it’s easier to make mistakes or overlook important details, which could lead to delays or even dismissal of your case.

Ultimately, the decision to file for Chapter 13 bankruptcy without an attorney will depend on your individual circumstances, comfort level with legal procedures, and willingness to invest the time and effort required.

Seeking Legal Assistance

While it’s possible to file for Chapter 13 bankruptcy without an attorney, it‘s important to recognize that the process can be complex and challenging. If at any point you feel overwhelmed or unsure about how to proceed, it’s always a good idea to seek legal assistance.Here are a few options to consider:

  • Legal aid clinics: Many communities have legal aid clinics that provide free or low-cost legal services to individuals who meet certain income requirements. These clinics can be a valuable resource for guidance and assistance with bankruptcy filings.
  • Bankruptcy lawyers: While hiring a private bankruptcy attorney can be expensive, many offer free initial consultations or flat-fee services for Chapter 13 filings. This can be a worthwhile investment if you’re struggling with the process or have a particularly complex financial situation.
  • Online legal services: There are various online legal services, such as Upsolve and TotalBankruptcy, that provide affordable assistance with bankruptcy filings. These services can help you navigate the process and ensure that your paperwork is completed accurately.

Remember, seeking legal assistance doesn’t necessarily mean hiring a full-service bankruptcy attorney. Even a brief consultation or guidance from a legal professional can be invaluable in ensuring that your Chapter 13 bankruptcy filing is successful.

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