- 1). Make a list of your assets and debts and fill out a worksheet. If cannot figure out if an item is a debt or asset on a form, do the best you can and make a note next to your entry that you are uncertain.
- 2). Hire a bankruptcy lawyer. He will review your case and decide which bankruptcy chapter is applicable to you. With his aid, get all the official forms that are needed for a bankruptcy petition from the local court or legal firms.
- 3). Call or write to the local civil court to get the up-to-date rules and regulations. It is always better to ask than assume.
- 4). Fill out all necessary bankruptcy forms with the aid of a lawyer. Try not to leave any questions unanswered, but fill out the forms as best as you can.
- 5). Check all the forms carefully.
- 6). Keep all forms together and put them in a folder. Put all your financial statements (supporting your balance sheet) separately in another file.
- 7). Make the necessary payment, as suggested by the court. You may need to visit the bank to make a pay order, money order or get cash.
- 8). File your papers with the local civil court, along with the fees.
- 9). Present yourself at the court when the lawyer asks you to, and he will take care of most of the reviews and meetings with creditors.
- 10
Acknowledge the court's final notice of discharge and your case being closed.
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