File Chapter 7 Bankruptcy in New York or New Jersey – Starting at $499
Affordable Bankruptcy Document Preparation – No Attorney Needed
Struggling with debt? We The People NYC offers low-cost Chapter 7 Bankruptcy preparation services to help you discharge debt and get a fresh financial start—without the high cost of hiring a lawyer.
Our flat-fee services start at just $499, and we’ve helped thousands of New Yorkers and New Jersey residents file Chapter 7 quickly, legally, and affordably.
Why Choose We The People for Chapter 7 Bankruptcy Filing?
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Low-Cost Services – Bankruptcy document prep starts at $499. Save thousands in legal fees.
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Experienced Professionals – Over 20 years serving NYC and NJ communities.
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No Attorney Required – We handle your paperwork; you represent yourself.
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Fast Debt Relief – Most cases are discharged in 60–90 days.
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In-Person or Remote Service – Visit our 14th Street NYC office or work with us online.
What’s Included in Our Chapter 7 Bankruptcy Package
Step 1: Easy Bankruptcy Workbook
Use our workbook to gather your income, assets, expenses, and creditor info. Our team prepares your complete bankruptcy petition and court documents.
Step 2: Free Means Test
We start by running a free Means Test to determine if you qualify for Chapter 7 based on your income and household size in New York or New Jersey.
Step 3: Credit Counseling & Debtor Education
Complete two brief, low-cost courses (about $20 each) online or by phone—required by the court.
Step 4: Court Filing Support
The Chapter 7 filing fee is $338, but fee waivers or installment plans are available if you qualify. We provide all the documents you need to file and walk you through next steps.
Step 5: Trustee Meeting & Debt Discharge
After filing, attend a short meeting with a bankruptcy trustee. Most unsecured debts—like credit cards, personal loans, and medical bills—are fully discharged within 60 to 90 days.
Protect What Matters Most
Our process helps you understand how New York and New Jersey bankruptcy exemptions can protect:
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Household furniture and clothing
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Tools of the trade
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Pensions and retirement accounts
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Phones, computers and tablets
Serving New York City Since 2005
Located on 14th Street in Manhattan, We The People has built a trusted reputation for helping everyday New Yorkers file bankruptcy affordably and efficiently.
Start Your Chapter 7 Bankruptcy Today
Ready to take the first step toward financial freedom?
Download our workbook Call or email for a free consultation Visit us in person or work with us remotely
Get affordable, professional help filing Chapter 7 Bankruptcy in NY or NJ—starting at just $499.