Bankruptcy Filing FAQ
How long does a Chapter 7 bankruptcy take in New York City?
Most Chapter 7 cases in NYC take about three months from filing to discharge. After your paperwork is filed with the court, you’ll attend a trustee meeting, and if everything is complete, most debts are discharged within 60–90 days.
How much does it cost to file Chapter 7 bankruptcy in NYC?
The U.S. Bankruptcy Court charges a $338 filing fee for Chapter 7. At We The People of New York, we prepare your paperwork for a flat, affordable fee. If you qualify, we can also assist with fee waiver or installment applications.
Will I lose all my property if I file Chapter 7 in New York?
No. New York and federal bankruptcy exemptions allow you to protect essential property such as clothing, furniture, tools of trade, certain equity in your car, and retirement accounts.
What documents do I need to start the bankruptcy process?
You’ll need photo ID, proof of Social Security number, recent pay stubs, tax returns, bank statements, and a list of creditors. We provide a detailed workbook so you can gather everything in one place.
Can I file Chapter 7 bankruptcy in NYC without an attorney?
Yes. Many people choose to file pro se (without an attorney). At We The People of New York, we are professional bankruptcy petition preparers. We complete all your required forms accurately and affordably, but we cannot provide legal advice.
Chapter 7 Bankruptcy in New York & New Jersey – Starting at $499
Affordable Bankruptcy Document Preparation – No Attorney Needed
If you’re overwhelmed by debt in New York or New Jersey, We The People NYC offers low-cost Chapter 7 bankruptcy document preparation starting at $499. Our team prepares the paperwork you need to file pro se (without an attorney), so you can eliminate debt legally and affordably.
Understanding Your Credit Score
Video: Bankruptcy Discharge Timeline
Considering Chapter 7 Bankruptcy? Here’s What You Need to Know
Thousands of New Yorkers and New Jersey residents have relied on us for fast, accurate bankruptcy filings that provide a fresh start—without paying thousands in lawyer fees.
Why File Chapter 7 Bankruptcy With We The People?
- Flat-Fee Pricing – Bankruptcy preparation starting at $499.
- 20+ Years of Experience – Trusted petition preparers in NYC since 2005.
- No Attorney Required – We handle the paperwork; you file pro se.
- Quick Results – Most Chapter 7 discharges happen within 60–90 days.
- In-Person or Online – Visit our 14th Street office or work with us remotely.
What’s Included in Our Chapter 7 Bankruptcy Package
Means Test Review
Free review to confirm your eligibility for Chapter 7 based on income and household size.
Complete Petition Preparation
We prepare all required U.S. Bankruptcy Court documents accurately and completely.
Mandatory Courses
Credit counseling and debtor education — short, court-approved online classes (about $20 each).
Court Filing Guidance
The $338 filing fee may be waived or paid in installments.
Trustee Meeting Prep
Step-by-step guidance so you know what to expect at your 341 Meeting of Creditors.
Property Exemptions
Understand how New York and New Jersey laws protect essentials such as:
- Household furniture & clothing
- Retirement accounts & pensions
- Tools of your trade
- Phones, computers & basic electronics
Start Your Bankruptcy Filing Today
- Call or email us for a free consultation.
- Complete our simple bankruptcy workbook.
- File confidently with professional document preparation.
Since 2005, We The People NYC has helped thousands of clients across New York City, Westchester, Nassau County, and New Jersey. Get reliable Chapter 7 bankruptcy document preparation and take the first step toward a fresh financial start.