Bankruptcy forms, built right.
Chapter 7 bankruptcy is a federal statutory right. The official forms are free. The wizards below build the three most commonly mishandled forms — the means test, your expense schedule, and your statement of intention for secured property — and generate court-ready PDFs in minutes. Free, no signup required.
Means test (Form 122A-1)
Calculate your current monthly income from the last 6 months and compare it to your state median. Determines Chapter 7 eligibility. First form to complete.
Schedule J — monthly expenses
Official Form 106J. Report all current monthly household expenses: housing, utilities, food, transportation, insurance, taxes, childcare, debt payments. Paired with Schedule I.
Statement of intention (Form 108)
Tell the trustee what you plan to do with each piece of secured personal property — reaffirm, redeem, or surrender. Also covers personal property leases. Due within 30 days.
Schedule A/B — property (Form 106A/B)
List all property you own: real estate, vehicles, household goods, bank accounts, retirement accounts, and business interests. Required with every petition.
Schedule C — exemptions (Form 106C)
Claim property as exempt from the bankruptcy estate. Choose federal or state exemptions and cite the authorizing statute for each asset. Protects property from trustee liquidation.
Schedule D/E/F — creditors (Forms 106D, 106E/F)
List every creditor: secured (mortgages, car loans), priority unsecured (taxes, support), and general unsecured (credit cards, medical bills). Required with every petition.
Need the full petition package?
A Chapter 7 petition includes 15+ schedules, a statement of financial affairs, the credit counseling certificate, and local court forms. Case Pass covers all of them plus unlimited follow-up questions for one case, 12 months.
Frequently asked questions
Can I file Chapter 7 pro se?
Yes. Individuals have the right to represent themselves under 11 U.S.C. § 1654. Most districts have a pro se bankruptcy helpdesk — call your local clerk.
How much does it cost to file Chapter 7?
The current filing fee is $338. If your income is below 150% of the federal poverty line, you can apply to waive the fee (Form 103B). Installment payments are also available.
Do I need a lawyer to file Chapter 7?
No — but a bankruptcy attorney can prevent costly mistakes. If you have significant assets, ongoing lawsuits, or complex secured debts, an attorney is strongly recommended. For straightforward no-asset cases, many people file successfully pro se.
What does bankruptcy discharge?
Chapter 7 discharge eliminates most unsecured debts (credit cards, medical bills, personal loans, deficiency balances). It does not discharge student loans (in most cases), recent taxes, domestic support obligations, or debts from fraud.
Not legal advice. SynthCounsel is not a law firm. Bankruptcy law is federal but has local rules that vary by district — confirm your district’s procedures at uscourts.gov before filing.