monthly expenses to help the trustee determine your monthly spending. You will have to pay a filing fee and court fees.
If you hire an attorney, you will have to pay attorney fees, court fees, and a filing fee. If you cannot afford to pay attorney fees, you can search for free legal services to assist with the filing process.
Obtain a copy of your credit report from Equifax, Experian, and TransUnion, and make sure all accounts included in the bankruptcy report a zero balance and the account status indicates “included in Chapter 7 or Chapter 13”, “included in bankruptcy,” or something similar.
Also, check your credit reports for duplicate listings of accounts included in the bankruptcy and request the duplicate entries be removed. The IRS gets a report of all bankruptcy filings and may consider as income any debt from which you are released, and you may be taxed on any amount over $600. You may receive a 1099c form to report the amounts over $600.