No, we do not. The vast majority of people who file for Chapter 13 Bankruptcy need the advice and guidance of an experienced bankruptcy attorney. We can refer you to an excellent local bankruptcy attorney if you are interested in filing for Chapter 13 bankruptcy.
Yes, there are many reputable resources online and in the library to help you get all the information you need to file for Chapter 7 Bankruptcy on your own and without an attorney. Online we suggest you check out legalconsumer.com for information on which district to file in and what bankruptcy exemptions are available to you. At the library or bookstore, we highly recommend books by Nolo Publishing, specifically their "How to File for Chapter 7 Bankruptcy" book. You may also wish to check out some of the Bankruptcy Court websites around the country. Some are better than others and many have a resource section for those who choose to file for Chapter 7 Bankruptcy without an attorney. We now have information on Chapter 7 Bankruptcy filings available online, as well. Please click on the "About" tab at the top of this page, then click on "Resources" and scroll down the page. We will be adding additional publicly available Chapter 7 Bankruptcy filing information to that page on a regular basis, so check back often!
All Chapter 7 Bankruptcy filers must pass a "Means Test" to determine their eligibility to file for Chapter 7 based on their income, what state they reside in and the number of people in their household. We have the Means Test form available for you to download on our "Resources" page. The U.S. Trustee's Office maintains information on the State Median Family Income by Family Size chart. The figures are revised every six months. Currently, the U.S. Trustee's Office chart covers cases filed on or after November 1, 2014. Their website is www.justice.gov. If you are unsure as to whether you are eligible to file for Chapter 7 bankruptcy based on your income or other factors, you should seek the advice of a bankruptcy attorney.
You may be eligible for low-cost or free legal assistance from the Legal Aid Society in your area, so you should start there first. The United States Bankruptcy Court Clerk's Office for the Northern District of New York also has free downloadable Chapter 7 Bankruptcy forms available on their website if you want to do it yourself. And depending upon your financial situation, you may be eligible to have the Consumer Credit Counseling fees waived and/or the court filing fees waived or be allowed to pay your court filing fees in installments. You can contact the Northern District of New York Bankruptcy Court clerk's office at (518) 257-1661to find out more about their eligibility requirements for fee waivers.