Chapter One is not a law firm. We prepare bankruptcy documents — we do not provide legal advice. If you need legal advice, consult a licensed bankruptcy attorney.
1
Eligibility
2
About You
3
Statements
4
Analysis
5
Creditors
6
Income
7
History
8
Disclosures
9
Package
Step 1 of 9

Let's check your eligibility

A few quick questions to confirm Chapter 7 is the right path and you're eligible to file.

Please select your state
Salary, wages, gig income, child support received, rental income — everything

Have you filed for bankruptcy before?

Your data is private and never shared or sold
Step 2 of 9

Your personal information

This goes directly onto Official Form 101 — the Voluntary Petition. Use your legal name exactly as it appears on government ID.

Your filing package and instructions will be sent here

What best describes your situation?

Step 3 of 9

Upload your bank statements

We need the last 6 months from every bank account and credit card. This is how we calculate your means test, detect preferential payments, and find everything a trustee will look for — automatically.

Must be a digital PDF download from your bank's website — not a photo, not a scan. Log into online banking → Statements → Download PDF. Scanned images won't parse correctly.

Drop your statements here

PDF files only — up to 12 months, all accounts

Choose files

Bank accounts + credit cards · Chase · BofA · Wells Fargo · Citi · Capital One · all major institutions

Why bank AND credit card statements? The means test uses your 6-month income average from bank statements. Credit card statements show payment history — trustees check for preferential payments (paying one creditor more than others in the 90 days before filing). The SOFA also requires disclosure of all significant transfers and crypto purchases. We read them so you don't have to remember.
Step 4 of 9

Analysing your statements

Reading your transactions to build your means test and surface everything that needs to be disclosed.

Step 5 of 9

Your creditors

List everyone you owe money to. This goes on Schedules D and E/F. Include all debts — credit cards, medical, personal loans, student loans. Do not leave anyone out.

Include every creditor — even debts you want to keep paying (like a car loan). Leaving a creditor off your schedules can result in that debt not being discharged.
Creditor 1

Assets you own

Step 6 of 9

Income & monthly expenses

This fills Schedule I (your income) and Schedule J (your expenses). Both are required. Be as accurate as possible — the trustee will compare these to your bank statements.

Employment

Monthly income

Before taxes — check your pay stub
Monthly average from all other sources combined

Monthly expenses (Schedule J)

Enter your actual monthly expenses. Enter 0 if not applicable. The trustee will compare these to your bank statements.
Step 7 of 9

Financial history

This completes the Statement of Financial Affairs (Form 107). The trustee reads this against your bank statements — answer honestly and completely.

Prior addresses — last 3 years

List every address you lived at in the last 3 years. Leave blank if you have not moved.

Income for prior 2 years (SOFA Q4)

Large creditor payments — last 90 days (SOFA Q6)

Did you pay more than $600 total to any single creditor in the 90 days before filing? (beyond regular minimum payments). Leave blank if no.

Payments to family or friends — last year (SOFA Q7)

Did you pay or give money to a family member or close friend totaling more than $600 in the last year? (rent to a parent, repaying a personal loan, etc.)
Step 8 of 9

Review your disclosures

These items were detected in your bank statements. You must acknowledge each one — they'll be declared correctly in your filing so nothing surprises the trustee.

Omitting these from your filing is a federal crime. Declaring them correctly is not — it's required. Chapter One has pre-filled each one for you.

Required disclosure — 11 U.S.C. § 110

Before we prepare any documents, federal law requires us to tell you the following:

  • Chapter One is a document preparation service, not a law firm
  • We are not attorneys and cannot give you legal advice
  • We cannot tell you whether you should file for bankruptcy
  • We cannot tell you which chapter to file, whether debts will be discharged, or what property you may keep
  • We cannot describe the tax consequences of bankruptcy for your situation
  • For legal advice specific to your case, consult a licensed bankruptcy attorney

This notice will also appear on Official Form 119, which is filed with your petition as required by law.

Step 9 of 9

Your filing package

Everything is prepared. Review what's included, then pay to download your court-ready filing package.

Voluntary Petition — Form 101

Opens your case

✓

Means Test — Form 122A-1

Calculated from your actual bank data

✓

Schedules A/B through J

All 8 schedules — assets, exemptions, creditors, income, expenses

✓

Statement of Financial Affairs — Form 107

Pre-filled from your actual transactions — transfers, crypto, payments all declared

★

Form 119 — Petition Preparer Disclosure

Federally required — included automatically

✓

Filing instructions + 341 meeting guide

What to bring, what to expect, step-by-step

✓
$197
One-time · Complete Chapter 7 filing package
✓
Bank statement analysis included
✓
All 13 official court forms filled (uscourts.gov)
✓
SOFA completed from actual transactions
✓
Instant ZIP download — print and file same day
Note: This is a document preparation fee only. Court filing fees (approximately $338 for Chapter 7) are paid separately when you file at your local bankruptcy court. Chapter One does not collect court fees.
Pay $197 and Download Package

Secured by Stripe · SSL encrypted · Instant download

Already paid? Click here to download your package

30-day refund if forms can't be generated