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Where Can I Find Free Bankruptcy Chapter 7 Forms?

4 minute read Upsolve is a nonprofit tool that helps you file bankruptcy for free. Think TurboTax for bankruptcy. Get free education, customer support, and community. Featured in Forbes 4x and funded by institutions like Harvard University so we'll never ask you for a credit card. Explore our free tool

In a Nutshell

Filing for bankruptcy can seem confusing, and the paperwork itself can be daunting. Find the bankrutpcy forms for free.

Written by Kristin Turner, Harvard Law Grad
Updated December 1, 2020

Struggling to pay your debts when you don't have enough money each month to pay your living expenses is terrifying. The further behind you become on your debt payments the more aggressive your creditors become in their collection efforts. In some cases, a debt collector may harass you even though you have explained numerous times why you can't pay the debt.

Unfortunately, creditors and debt collectors care about one thing — getting money from you. They don't care about your personal life or the circumstances that led to your current financial crisis. However, there is a way out of debt. You can use free bankruptcy Chapter 7 forms to file for bankruptcy relief without an attorney.

Is Chapter 7 Really an Option for Me?

Many people ask us if Chapter 7 is the best option for them to get out of debt. Depending on your situation, filing a Chapter 7 bankruptcy case may allow you to get rid of most, if not all, your unsecured debts. In many cases, you can obtain free bankruptcy Chapter 7 forms to use when you prepare your bankruptcy petition.

If you are considering filing for bankruptcy relief, we can help. Upsolve provides free bankruptcy Chapter 7 forms for you to use to file Chapter 7 without an attorney. We are a non-profit organization dedicated to helping individuals just like you get the debt relief they need. Because we are a non-profit, our filing tool is completely free.

Finding Free Bankruptcy Chapter 7 Forms

In addition to obtaining free bankruptcy Chapter 7 forms from Upsolve, several other sources provide free bankruptcy Chapter 7 forms.

The best source online for free bankruptcy Chapter 7 forms is the website for the United States Courts.

The free bankruptcy Chapter 7 forms found on the United States Courts website are the official bankruptcy forms used to file a Chapter 7 bankruptcy case. The forms are available for download from the website. In addition, you may also review the Committee Notes and instructions related to the free bankruptcy Chapter 7 forms.

You should be incredibly careful obtaining free bankruptcy Chapter 7 forms from other sources online. The Bankruptcy Court requires that you use the Official Bankruptcy Forms provided by the United States Courts.

Do Chapter 7 Bankruptcy Forms Change?

Yes, the forms used to file a Chapter 7 bankruptcy case may change from time to time. If bankruptcy laws or rules change, the forms may change. In addition, the court may make changes to the forms occasionally.

Therefore, it is crucial that you work with an organization like Upsolve that closely monitors the courts to ensure you have the most up-to-date Chapter 7 bankruptcy forms.

Upsolve User Experiences

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bryant graham
Bryant Graham
★★★★ 7 days ago
Upsolve was very helpful i highly recommend there service.
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Keith Vincent
Keith Vincent
★★★★★ 7 days ago
Upsolve provides a invaluable service at no cost. The clerk of court told me all of my paperwork was in order. It was done by myself with the assistance of Upsolve staff. Great Service for the people of this country. Thank you Upsolve.
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Andrew Morales
Andrew Morales
★★★★★ 8 days ago
Exceptional Service and Support - A Lifeline During Bankruptcy I am delighted to share my heartfelt gratitude for Upsolve and the exceptional assistance they provided my wife and me during our bankruptcy filing. Their expertise, kindness, and user-friendly platform made an otherwise daunting process remarkably simple and accessible. From the moment we engaged with Upsolve, their team exhibited an unwavering commitment to helping us navigate the complexities of bankruptcy with ease. Their knowledge and professionalism were evident at every step, and they went above and beyond to ensure we felt supported and understood throughout the entire journey. Upsolve's user-friendly platform was a game-changer, simplifying the otherwise overwhelming paperwork involved in bankruptcy filings. Their intuitive interface guided us through each necessary form, reducing confusion and streamlining the process. Thanks to their comprehensive resources and guidance, we were able to complete the filing accurately and efficiently. What truly set Upsolve apart was their empathetic and caring approach. The Upsolve team was always available to address our questions and concerns promptly, providing clear and compassionate explanations that put our minds at ease. Their commitment to accessibility is commendable, particularly for individuals like us who couldn't afford the services of a lawyer. Upsolve made bankruptcy filing a viable option for those facing financial hardships, providing much-needed support to those who need it most. While we have just completed the filing process and await the final outcome, we are confident that Upsolve's expertise and meticulous assistance will yield positive results. However, regardless of the outcome, we are eternally grateful for their invaluable help. They have given us hope and a fresh start, empowering us to take control of our financial future. If you find yourself in a similar situation, I wholeheartedly recommend Upsolve. Their commitment to making the bankruptcy process more accessible, their exceptional support, and their user-friendly platform make them an unparalleled resource for anyone in need. Thank you, Upsolve, for being our guiding light during this challenging time.
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Are There Other Chapter 7 Bankruptcy Forms Required?

Yes, you may be required to file additional forms or special forms depending on where you live. Local bankruptcy courts may have forms that they use that are specific to their district. You can inquire about local bankruptcy forms by contacting the bankruptcy court nearest to where you live. In most cases, the local courts provide free bankruptcy Chapter 7 forms that are specific to their court.

What Types of Bankruptcy Forms Are Required for a Chapter 7 Bankruptcy Filing?

It is difficult to list each individual form that you will be required to file with the court to receive Chapter 7 debt relief. However, below is a list of the common Chapter 7 forms that must be filed in every Chapter 7 bankruptcy case.

  • Chapter 7 Voluntary Petition — The Chapter 7 Voluntary Petition contains general information such as your name, address, filing status, an estimate of debts, an estimate of assets, prior bankruptcy filings, and statements regarding your oath that all information contained in your schedules is true and correct to the best of your knowledge.

  • Application for Individuals to Pay in Installments — You file this form if you're requesting that the court allow you to pay the filing fee in installments.

  • Application to Waive Chapter 7 Fee — File this form if you are eligible to have the filing fee waived.

  • Certificate of Completion of Credit Counseling Course — The credit counseling course must be completed, or your case could be dismissed.

  • Summary — Summary of Assets and Debts

  • Schedules A through J — Schedules A through J provide the details regarding your financial situation. Each schedule covers a different matter, such as assets, bankruptcy exemptions, creditors, contracts & leases, codebtors, income, and expenses.

  • Statement of Financial Affairs — The Statement of Financial Affairs contains about two dozen questions regarding your financial affairs.

  • Statement of Intent — The Statement of Intent tells your secured creditors and the court how you intend to repay creditors who hold liens on property or if you are surrendering the property.

  • Statement Verifying Your Social Security Number

  • Means Test — There are several sections of the Means Test that you may need to complete to determine if you are eligible to file under Chapter 7.

  • Certificate of Completion of Debtor Education Course — You can't complete the debtor education course until after you file your Chapter 7 case. If you don't complete this course, you will not receive a bankruptcy discharge.

Did I Receive All of the Free Bankruptcy Chapter 7 Forms That I Need to File?

PLEASE NOTE: The above list of Chapter 7 forms is not a complete list of the forms that you may need to file with the bankruptcy court. When you work with Upsolve, we provide free bankruptcy Chapter 7 forms that you will need to file based on your unique financial situation.

When you obtain free bankruptcy Chapter 7 forms from the court, you may not know which forms to use when filing for Chapter 7 without an attorney. Furthermore, the court cannot provide guidance or legal advice.

Also, when you use some online sources to obtain free bankruptcy Chapter 7 forms, you may not receive a guarantee that you are receiving all the forms necessary for your case.

Do You Still Have Some Doubts About Using Our Free Bankruptcy Chapter 7 Forms?

When you work with Upsolve, we do not simply hand you a stack of free bankruptcy Chapter 7 forms to fill out. It's our goal to empower you get out of debt through bankruptcy even if you can't afford to hire a bankruptcy attorney.

If you doubt that our mission is to help you without asking you to pay a fee for our services, listen to some of our past users explain how the process works. Watch their videos to hear about how they used free bankruptcy Chapter 7 forms to file for bankruptcy without an attorney.

Don’t Wait Another Day to Become Debt Free!

Chapter 7 can help you get rid of debts you cannot pay. By using free bankruptcy Chapter 7 forms, you can get rid of debts including:

  • Medical bills

  • Credit card debts

  • Personal loans

  • Judgment debts

  • Old rent and lease payments

  • Old utility bills

  • Some old income tax debt

Written By:

Kristin Turner, Harvard Law Grad


Kristin is a recipient of Harvard Law School’s Public Welfare Foundation A2J Tech Fellowship. At Harvard Law, she served as a member of the Harvard Defenders, the Women’s Law Association, and the Harvard Law Negotiation Review. She was the 2016 – 2017 president of the Harvard Bla... read more about Kristin Turner, Harvard Law Grad

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    Upsolve is a 501(c)(3) nonprofit that started in 2016. Our mission is to help low-income families who cannot afford lawyers file bankruptcy for free, using an online web app. Our team includes lawyers, engineers, and judges. We have world-class funders that include the U.S. government, former Google CEO Eric Schmidt, and leading foundations. It's one of the greatest civil rights injustices of our time that low-income families can't access their basic rights when they can't afford to pay for help. Combining direct services and advocacy, we're fighting this injustice.

    To learn more, read why we started Upsolve in 2016, our reviews from past users, and our press coverage from places like the New York Times and Wall Street Journal.