Why it matters

Your credit report lists every creditor you owe money to. The bankruptcy court requires a complete creditor list — missing even one can create problems. Pulling reports now ensures you don't forget anyone.

Typical documents needed

• Free report from AnnualCreditReport.com (Equifax, Experian, TransUnion)
• Note any accounts you don't recognize — those may be errors or identity theft
• Download or print all three bureau reports

Why it matters

Federal law requires you to complete an approved credit counseling course within 180 days before filing bankruptcy. Without this certificate, your case will be dismissed.

Typical documents needed

• Certificate of Completion from an approved agency
• Agency must be approved by the U.S. Trustee Program
• Cost is typically $10–$50; fee waivers available if you qualify

Why it matters

The bankruptcy means test compares your income to your state's median income. You need 6 months of income records to complete this calculation and determine which chapter you qualify for.

Typical documents needed

• Last 6 months of pay stubs (or employer income verification)
• Most recent 2 years of federal tax returns
• Bank statements for all accounts (last 3–6 months)
• Social Security award letters (if applicable)
• Self-employment profit/loss records (if applicable)

Why it matters

The bankruptcy trustee will review everything you own. You must list all assets — real estate, vehicles, bank accounts, personal property, and retirement accounts. Incomplete or inaccurate asset disclosure can result in case dismissal or fraud charges.

Typical documents needed

• Most recent mortgage statement (or lease agreement)
• Vehicle titles + current values (use Kelley Blue Book)
• Bank and investment account statements
• Retirement account statements (401k, IRA, pension)
• Life insurance policy with cash value (if any)
• Any property you own in other states or countries

Why it matters

Every creditor you owe must be listed in your bankruptcy petition — secured debts (mortgage, car loan), unsecured debts (credit cards, medical), and priority debts (taxes, student loans). Missing a creditor may mean that debt survives bankruptcy.

Typical documents needed

• All credit card statements (last 3 months)
• Medical bills and collection notices
• Any judgments or lawsuits filed against you
• Student loan servicer names and balances
• IRS and state tax debt notices (if any)
• Lease agreements for vehicles or equipment

Why it matters

Not everyone qualifies for Chapter 7. The means test determines your eligibility based on income and expenses. Completing the qualification check before paying for anything tells you where you stand.

Typical documents needed

• Household size and monthly income (from Step 3)
• Monthly living expenses estimate
• State of residence

Why it matters

Once you have your documents organized and know your options, the JustiPal™ Bankruptcy Workflow walks you through every intake question in the correct order — so your document packet is complete and ready.

Typical documents needed

• Everything gathered in Steps 1–5
• Credit counseling certificate (Step 2)
• Photo ID