How To File Bankruptcy for Free in Wyoming
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If you're dealing with debt that feels impossible to get out from under, Chapter 7 bankruptcy may be the fresh start you need. It can erase eligible debts like credit cards, medical bills, and payday loans — and many Wyomingites file without a lawyer or any filing costs. This guide covers everything you need to know to file in Wyoming.
Written by Attorney Andrea Wimmer.
Updated April 6, 2026
5 Steps To File Chapter 7 in Wyoming
Many people in Wyoming have used Chapter 7 bankruptcy to get a fresh start. And you don't have to hire a lawyer to file successfully. This guide walks you through every step, from gathering your documents to filing with the court.
Step 1: See If You Qualify
Chapter 7 has income limits, but most people who need it meet them. You'll answer a few questions about your household size and income. If you use Upsolve's free tool, it just takes two minutes to see if you qualify.
If your income is below Wyoming’s median for a household your size, you'll likely pass the means test and qualify to file with Upsolve.
Wyoming Median Income Standards for Means Test for Cases Filed In 2026 | ||
|---|---|---|
| Household Size | Monthly Income | Annual Income |
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Step 2: Gather Your Documents
Before you file, you'll need to pull together a few key documents. One of those is a certificate from a short credit counseling course, which you'll complete online — it takes 1–2 hours and costs $10–$50 (fee waivers available).
See the full document checklist →
Step 3: Complete Your Forms and File
The forms you'll fill out are federal, so they're the same across the country, available as free fillable PDFs at uscourts.gov. Some courts also require local forms.
If you use Upsolve, your forms are generated based on your answers, organized and ready to sign.
📍You can file by mail or in person at Wyoming's only bankruptcy filing office: U.S. Bankruptcy Clerk’s Office 2120 Capitol Avenue, Suite 6004 Cheyenne, WY 82001
How filing works with Upsolve →
Filing Fee Information & Fee Waiver Eligibility
There is a $338 filing fee for Chapter 7. If you don't think you can come up with the $338 Chapter 7 filing fee, you can ask the court to waive it when you file your bankruptcy paperwork.
People whose income falls below 150% of the federal poverty level may be eligible. A bankruptcy judge will review your income and expenses and decide whether to grant the fee waiver.
Wyoming Fee Waiver Eligibility for Cases Filed In 2026Eligible for fee waiver when under 150% the poverty level. | ||
|---|---|---|
| Household Size | State Poverty Level | Fee Waiver Limit (150% PL) |
| 1 | $1,330.00 | $1,995.00 |
| 2 | $1,803.33 | $2,705.00 |
| 3 | $2,276.67 | $3,415.00 |
| 4 | $2,750.00 | $4,125.00 |
| 5 | $3,223.33 | $4,835.00 |
| 6 | $3,696.67 | $5,545.00 |
| 7 | $4,170.00 | $6,255.00 |
| 8 | $4,643.33 | $6,965.00 |
| 9 | $5,116.67 | $7,675.00 |
| 10 | $5,590.00 | $8,385.00 |
If you don’t qualify for a fee waiver, you’ll need to pay the full filing fee or an installment payment (if approved) when you file your forms.
💰 In Wyoming, you can pay the filing fee with a cashier’s check or money order made payable to Clerk, U.S. Bankruptcy Court. You can also pay in cash, with exact change, if you file in person.
🚫 The court doesn’t accept credit cards, debit cards, or personal checks from people filing without a lawyer.
Step 4: Attend Your 341 Meeting
About a month after you file, you'll have a short meeting with your bankruptcy trustee on Zoom. It typically takes about five minutes. The trustee will verify your identity and ask a few basic questions about your paperwork.
Upsolve can help you prep for your 341 meeting →
Step 5: Get Your Discharge
After your 341 meeting, you'll need to take one more short course — a debtor education course on budgeting and managing credit. Once that's done and any follow-up is resolved, the court erases your eligible debts. That's your fresh start, usually within 3–4 months of filing.
What debts does Chapter 7 discharge? →
Local Forms/Requirements for Wyoming
Wyoming has two local forms to keep in mind:
Creditor matrix: a formatted list of everyone you owe money to. Wyoming has specific formatting rules for this, so review the court's instructions before submitting.
Statement Concerning Payment Advices: only required if you didn't receive any pay stubs in the 60 days before filing.
☑️ The court's website includes a helpful guide for people filing without a lawyer, along with links to forms and instructions.
Free Legal Aid in Wyoming
If your case is more complex — or you'd just feel more comfortable with an attorney — you can contact a Wyoming legal aid group or explore the list of resources for low-income filers on the Wyoming State Bar’s website.
Legal Aid of Wyoming 2617 E. Lincoln Way, Ste. K Cheyenne, WY 82001 (877) 432-9955 https://www.lawyoming.org/
