File Chapter 7 Bankruptcy Online — Without a Lawyer
Wipe out qualifying debt and get a fresh start. Do-it-yourself bankruptcy software walks you through the official federal forms step by step — for a fraction of what an attorney charges.
Chapter 7 doesn't have to mean expensive lawyers
Chapter 7 is the most common form of consumer bankruptcy. It can discharge most unsecured debts — credit cards, medical bills, personal loans — often in a matter of months. Many people qualify to file it themselves.
How to file online
The software collects your information and prepares the correct federal bankruptcy forms for your district — no legal jargon to decode on your own.
Emergency filing
Facing a garnishment, foreclosure, or repossession? Filing triggers the automatic stay, which immediately halts most collection actions.
Without a lawyer
Filing on your own (“pro se”) is legal and common for straightforward cases. Guided software helps you avoid the errors that get cases dismissed.
DIY software vs. hiring an attorney
Do-it-yourself software
- A fraction of attorney pricing
- Work at your own pace, from home
- Plain-English, step-by-step questions
- Generates the official forms for your court
- Ideal for straightforward, no-asset cases
Hiring a bankruptcy attorney
- Typically $1,000–$2,000+ in attorney fees
- Best for complex cases and disputes
- Office visits and back-and-forth
- Recommended if you have significant assets, a business, or lawsuits
If your situation is complicated, talking to a licensed attorney is the safer route.
Transparent, predictable pricing
The federal Chapter 7 filing fee is $338 (payable in installments, and waivable if your income is under 150% of the federal poverty line). The DIY software is a low, one-time cost — far less than an attorney retainer.
Get the Bankruptcy SoftwareMost filers pass the means test
You generally qualify for Chapter 7 if your household income is below your state's median — or if your income minus allowed expenses leaves too little to fund a repayment plan. The software helps you work through the means test before you file.
Chapter 7 commonly discharges
- Credit card balances
- Medical bills
- Personal & payday loans
- Most old utility bills and collections
- Certain older income-tax debt (conditions apply)
Some debts — most student loans, child support, alimony, and recent taxes — usually can't be discharged.