Voluntary Petition
The main filing that opens the case; includes debtor identity, chapter selection, and certification of accuracy under penalty of perjury.
Accurate Chapter 7 papers clarify the debtor's financial situation for the trustee and creditors, reduce the risk of objections or denial, and speed case administration. Complete, well-organized filings help protect the debtor from allegations of concealment and support lawful discharge under the Bankruptcy Code.
Typical filers and preparers include debtors, bankruptcy attorneys, and court-authorized petition preparers; each has distinct responsibilities under federal rules.
Understanding the actor roles helps ensure correct signatures, timely filing, and proper counsel where required by local court rules and federal bankruptcy procedures.
The main filing that opens the case; includes debtor identity, chapter selection, and certification of accuracy under penalty of perjury.
Detailed Schedules A–J listing real and personal property, secured and unsecured creditors, and monthly income and expenses.
Narrative and transaction history describing financial events, transfers, and creditor payments prior to filing.
Certificate showing pre-filing credit counseling was completed as required by statute or administrative order.
Income and expense calculations that determine Chapter 7 eligibility based on median-income comparison and statutory deductions.
Pay stubs, recent tax returns, bank statements, titles, and other documents that substantiate amounts reported on schedules.
| Field | Configuration |
|---|---|
| Signature Block | Debtor signature + date field |
| Supporting Upload | Attachments required (taxes, paystubs) |
| Authentication | Email plus SMS or ID verification |
| Distribution | Send copies to counsel and trustee |
Use PDF/A or court-accepted PDF formats, include text-searchable attachments, and ensure signatures meet court/local rules.
Case begins on the petition filing date; triggers automatic stay
Meeting of creditors generally scheduled about 20–40 days after filing
Creditors and trustee may object within set local or procedural deadlines
Debtor must complete post-filing debtor education before discharge
If allowed, discharge typically follows administration and required steps
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