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Can I File For Bankruptcy Online in 2021?

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In a Nutshell

When you are hit by a sudden financial shock and need a fresh start, you naturally ask - can I file for Chapter 7 bankruptcy online? In this article, we’ll explain the different options for filing for bankruptcy online and the pros and cons of each.

Written by Attorney John Coble.  Reviewed by Attorney Andrea Wimmer
Updated March 25, 2021


You live a lot of your life online. You do your taxes online with Turbotax and diagnose medical problems online with WebMD. If you're facing a wage garnishment or repossession, you’re probably wondering if you can file Chapter 7 bankruptcy online. The answer is, “mostly, yes.”

The Chapter 7 and Chapter 13 bankruptcy process involves 

  1. completing bankruptcy forms

  2. filing them with the bankruptcy court, and 

  3. attending a “341 meeting” with the official overseeing your case. 

Things You CAN Do Online When Filing Bankruptcy

Whether you’re filing pro se or are using a bankruptcy attorney, there are many things that you can do online.

  • take the credit counseling and debtor education classes 

  • get the official bankruptcy forms and any local forms your bankruptcy court requires

  • get your credit report, bank statements, paycheck stubs, and any other documents about your financial situation

  • get notices about your bankruptcy case via email 

  • if you're filing Chapter 13 bankruptcy, keep track of how your repayment plan is going

Things You Can’t Do Online When Filing Bankruptcy

The information in this article is based on regular U.S. bankruptcy court operations. Due to the coronavirus pandemic, most United States bankruptcy courts have instituted a number of changes to their operations. You can find detailed information about how courts are handling pro se filings in the era of social distancing here

Filing Your Bankruptcy Forms

Except for those lucky enough to live in the districts that allow electronic self-representation, anyone filing their own bankruptcy case has to submit all their paperwork in person or by mail. 

Electronic Self Representation in Select Courts

In 2014, the Central District of California Bankruptcy Court in Los Angeles became the first bankruptcy court to use electronic Self-Representation (eSR) software. eSR is a free online tool that allows users to prepare and submit their bankruptcy forms online. It’s intended to help individuals filing bankruptcy without an attorney.

Paying The Court Filing Fees

Even where an online bankruptcy filing is an option for non-bankruptcy lawyers, you still have to pay your bankruptcy fees by mail or in person. If you’re able to pay online, make sure you use a debit card, not a credit card. 

Dealing With Your Trustee

Every bankruptcy trustee determines how they wish to receive the documents from the bankruptcy filers whose cases they oversee. While local bankruptcy bar associations have made some inroads in the past to move this process away from mailing hard copies, many bankruptcy trustees still require just that.

The Meeting Of Creditors

The 341 meeting of creditors normally takes place in person. Due to the COVID-19 pandemic, the U.S. Trustee has permitted trustees to conduct these meetings either by phone or via video conference. Trustees verify the filers’ social security number either via video or by asking for documentation in preparation for the meeting. 

While it’s not clear that remote 341 meetings will remain an option post-pandemic, anecdotal evidence suggests that trustees, debtors, and bankruptcy attorneys all like the efficiency of remote 341 meetings. 

Attend Court Hearings 

Most court hearings require that you personally appear before the bankruptcy judge. This includes reaffirmation hearings for car loans.  

Hiring a Bankruptcy Lawyer to Submit Your Forms Online

Bankruptcy attorneys are required to use the U.S. Courts’ electronic filing system, so they’re able to submit your bankruptcy forms to the court online. You may be able to use an online questionnaire to provide your lawyer’s customer support team with the information they’ll need to prepare your bankruptcy petition. Depending on the law firm, you may also be able to pay your attorney fees through an online portal. As with the filing fees paid to the bankruptcy court, make sure not to use a credit card. 

Using a Bankruptcy Petition Preparer Does Not Mean Your Case Will Be Filed Online

Even though you may be able to work with a bankruptcy petition preparer through an online portal, that doesn’t mean you’ll be able to file your bankruptcy case online. A petition preparer is any non-lawyer who prepares a bankruptcy petition for you and charges a fee for doing it. 

The Bankruptcy Code requires that these bankruptcy petition preparers are heavily regulated. Different courts have different rules limiting the amount a bankruptcy petition preparer can charge. The maximum fees are usually less than $250.00. 

Bankruptcy petition preparers may not offer legal advice under any condition. The law restricts these petition preparers to being little more than typists. You’re still the one that has to submit the paperwork to the court. 

Filing Bankruptcy Without a Lawyer Using Upsolve

Upsolve is a digital legal aid nonprofit for low-income individuals who can’t afford to pay a bankruptcy lawyer for their simple Chapter 7 bankruptcy case. Upsolve is not a bankruptcy petition preparer. We provide you with an online web app to simplify the process of preparing your own bankruptcy forms for free.

Upsolve is funded by the federal government (the Legal Services Corporation), and leading philanthropists like Eric Schmidt, former CEO of Google. Here’s how it works

Let’s Summarize…

There are a number of online tools to get debt relief in the form of a bankruptcy discharge. You can take the bankruptcy counseling courses online. You can gather a lot of the information you’ll need to complete your bankruptcy forms online. You can even find your bankruptcy court’s local forms online. But, with only a few exceptions, the federal courts don’t yet allow pro se bankruptcy filers to submit their bankruptcy forms online. 

Why this matters: 

Your automatic stay depends on when the bankruptcy court gets your forms. The automatic stay is the bankruptcy law that prevents a creditor from moving forward with a foreclosure, garnishment, or repossession. Until the court has received your bankruptcy petition, there is no automatic stay. If you need to file by a certain date, make sure you have a game plan for how to submit your bankruptcy petition to the court. 



Written By:

Attorney John Coble

LinkedIn

John Coble has practiced as both a CPA and an Attorney. John's legal specialties were tax law and bankruptcy law. Before starting his own firm, John worked for law offices, accounting firms, and one of America's largest banks. John handled almost 1,500 bankruptcy cases in the eig... read more about Attorney John Coble

Attorney Andrea Wimmer

TwitterLinkedIn

Andrea practiced exclusively as a bankruptcy attorney in consumer Chapter 7 and Chapter 13 cases for more than 10 years before joining Upsolve, first as a contributing writer and editor and ultimately joining the team as Managing Editor. While in private practice, Andrea handled... read more about Attorney Andrea Wimmer

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