Chapter 7 bankruptcy has a filing fee of $335, but if you can show that your income is below a certain threshold, you may be able to waive the filing fee and file for free. If you file a Chapter 13, you cannot waive the filing fee, but you might be able to pay it in installments. Reviewed by: Rebecca K. McDowell, J.D. March 01, 2019

Generally bankruptcy filings are made by people who have amassed very high medical bills or debt from credit cards, personal loans, or auto accidents. These debts, among others, are legally dischargeable in Chapter 7 bankruptcy. understand that Chapter 7 bankruptcy will allow a court to seize your assets to meet the demands of creditors.

Filing bankruptcy can help a person by discarding debt or making a plan to repay debts. A bankruptcy case normally begins when the debtor files a petition with the bankruptcy court. A petition may be filed by an individual, by spouses together, or by a corporation or other entity.

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By contrast, filing for personal bankruptcy is a different matter. On the absolute, most basic level, people file for bankruptcy when their debts far.

Personal bankruptcy: Chapters 7 and 13. This is the currently selected item.. credit report for another 7 years. (writing) 7 years on credit, on your credit report. So in general from the time you file until the time it leaves your credit report it’s going to be 10 years, just like Chapter 7.

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Chapter 7 bankruptcy is designed to relieve you of unsecured debts, such as medical expenses. There is no rule that requires you to use a lawyer to file a petition. You can do the filing yourself, which is called "pro se," but we recommend that you do your research first. A pro se filing makes more [.]

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For people who have property they want to keep, filing a Chapter 13 bankruptcy may be the better choice. A Chapter 13 bankruptcy is also known as a reorganization bankruptcy. Chapter13 enables people to pay off their debts over a period of three to five years.

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