Chapter 7 Bankruptcy Made Human

Your fresh start
begins on page one.

Filing Chapter 7 doesn't have to be overwhelming. Chapter One guides you through every form, reads your bank statements for you, and makes sure nothing catches you off guard.

Start My Filing See how it works
No legal jargon
Bank statements read automatically
Most filings done in under 2 hours

Your Filing Progress

Chapter 7 · Started today

✓

Bank statements uploaded

6 months analysed · 847 transactions

✓

Means test calculated

Below Michigan median · You qualify

3

Review disclosures

2 items flagged for your attention

4

Generate filing package

Court-ready PDF · All schedules

⚠️
Heads up: We found a $3,400 transfer to a family member 8 months ago. The trustee will ask about this — we'll help you disclose it correctly.
How it works

Four steps. One fresh start.

We handle the complexity. You answer straightforward questions and upload your documents — we do the rest.

1

Tell us about yourself

Basic information about your household, income, and why you're filing. Plain English — no legal terminology.

~10 minutes
2

Upload your bank statements

We read 6 months of statements automatically — calculating your means test, spotting what a trustee will look for, flagging anything you need to disclose.

We do the reading
3

Review what we found

We show you exactly what the trustee will see. Crypto activity, unusual transfers, creditor payments. Nothing hidden, no surprises on filing day.

Full transparency
4

Download your filing package

Court-ready PDFs of every required form — means test, all schedules, Statement of Financial Affairs — organised and ready to file.

Print and file

"This isn't the end of your story. It's the first page of the next one."

Chapter 7 gives you a legal fresh start. We make sure you get there without missing a step.

Why Chapter One is different

We read your statements so you don't have to guess.

Every other tool asks you to declare your finances from memory. We upload your bank statements and find everything automatically — the same way a trustee would.

Means test calculated from real data

6-month income average pulled directly from your deposits. No spreadsheets, no guessing.

Crypto and digital assets detected

We find exchanges, wallet transfers, and crypto-related transactions automatically. Trustees always look for these.

Transfers flagged before the trustee sees them

Payments to family, large withdrawals, unusual patterns — disclosed correctly so nothing comes back to hurt you.

Statement of Financial Affairs pre-filled

The form most people get wrong — completed from your actual transaction history, not your best recollection.

Statement of Financial Affairs — Auto-detected

2 items to review
🔄
Transfer — family member
Aug 14 · Must be disclosed (within 12mo)
$3,400
₿
Crypto exchange — Coinbase
3 transactions detected · Must declare
$1,840
✓
Creditor payments — last 90 days
Below $600 threshold · No action needed
Clear
✓
Income sources identified
2 sources · Consistent with means test
Clear
Chapter One detected these automatically from your uploaded statements
Simple pricing

One price. Everything included.

A Chapter 7 attorney costs $1,500–$3,000. Chapter One gives you everything you need to file confidently — for a fraction of that.

Complete Filing Package
$149

One-time payment · Your filing, your fresh start

✓
Bank statement analysis (6 months)
✓
Means test auto-calculation
✓
Statement of Financial Affairs pre-fill
✓
Crypto & transfer detection
✓
All required schedules (A/B, C, D, E/F, I/J)
✓
Court-ready PDF package
✓
Trustee disclosure checklist
✓
Step-by-step filing instructions
Begin My Fresh Start

Document preparation service · Not legal advice · Your data is private and never shared