Maryland Chapter 7 Bankruptcy Packet — LSC-Grade Legal Guide
Jurisdiction-correct document templates. Not legal advice.
1. Eligibility Checker — Who Can File Chapter 7 in Maryland
You MAY qualify for Chapter 7 if:
Maryland Median Income Limits (2024)
You may NOT qualify if:
What Debts Cannot Be Discharged
File at: Maryland court finder: https://www.mdcourts.gov/circuit
2. Required Forms
| Form Number | Form Name | Purpose |
|---|---|---|
| B 101 | Voluntary Petition | Starts the bankruptcy case |
| B 106A/B | Schedules A/B | Lists all your property |
| B 106C | Schedule C | Property you claim as exempt |
| B 106D | Schedule D | Secured debts (mortgage, car loan) |
| B 106E/F | Schedule E/F | Unsecured debts (credit cards, medical) |
| B 106G | Schedule G | Executory contracts and leases |
| B 106H | Schedule H | Codebtors |
| B 106I | Schedule I | Current income |
| B 106J | Schedule J | Current expenses |
| B 106Sum | Summary of Schedules | Overview of all schedules |
| B 107 | Statement of Financial Affairs | Recent financial history |
3. Step-by-Step Filing Instructions
Step 1: Complete Credit Counseling (Required)
- Find an approved credit counseling agency at: justice.gov/ust/eo/bapcpa/ccde
- Complete the course (online, phone, or in person)
- Receive your Certificate of Credit Counseling
- Must be completed within 180 days BEFORE filing
Step 2: Gather Your Documents
Step 3: Complete the Means Test
- Use Form B 122A-1 to compare your income to Maryland median
- If below median: You qualify (skip Form B 122A-2)
- If above median: Complete Form B 122A-2 to calculate disposable income
Step 4: Complete All Bankruptcy Forms
- Fill out the Voluntary Petition (Form B 101)
- Complete all Schedules (A/B through J)
- Complete Statement of Financial Affairs (Form B 107)
Step 5: File Your Bankruptcy Petition
Step 6: Attend the Meeting of Creditors (341 Meeting)
Step 7: Complete Debtor Education Course
Step 8: Receive Your Discharge
6. Filing Checklist
- [ ] Completed credit counseling (certificate in hand)
- [ ] Last 6 months of pay stubs
- [ ] Last 2 years of tax returns
- [ ] Bank statements for all accounts
- [ ] Complete list of all debts with addresses
- [ ] Complete list of all assets
- [ ] Completed Voluntary Petition (Form B 101)
- [ ] Completed all Schedules (A/B through J)
- [ ] Completed Statement of Financial Affairs (Form B 107)
- [ ] Completed Means Test forms (B 122A-1, B 122A-2 if needed)
- [ ] Filing fee ($338) or fee waiver application
LEGAL AID
- Maryland Legal Aid: mdlab.org · 1-800-999-8904
- Women's Law Center of MD: wlcmd.org · (410) 321-8761
- House of Ruth MD (DV): hruth.org · 1-888-880-7884
- MD Courts Self-Help: mdcourts.gov/selfhelp · (410) 260-1394
*Not legal advice. Jurist-Diction is not a law firm. Templates are jurisdiction-correct.
Verify current law before filing. For legal advice contact a licensed Maryland attorney or legal aid. jurist-diction.com*