Self-Filed Bankruptcy -- Complete Guide to Filing on Your Own

Self-Filed Bankruptcy: What to Expect

Self-filing bankruptcy means you prepare and file all documents yourself without an attorney. Here is what the process looks like from start to finish:

• Preparation time: Expect 20-40 hours to gather documents, research exemptions, and complete forms
• Total cost: $338 filing fee (Ch. 7) plus $30-$100 for required courses. Some software costs extra.
• Timeline: Credit counseling (1 day) to discharge (3-4 months for Ch. 7)

See our DIY Bankruptcy checklist for the complete step-by-step process and common mistakes to avoid.