title: "New York Bankruptcy Chapter 7 - LSC-Grade Legal Packet"
state: "NY"
date: "2026-03-20"
price: "$97"
New York Chapter 7 Bankruptcy Filing Packet
Jurisdiction-correct document templates. Not legal advice.
1. Eligibility Checker
Can You File Chapter 7 Bankruptcy in New York?
- [ ] Have you lived in New York for at least 91 of the last 180 days?
- [ ] If you lived in multiple states, have you spent the majority of the last 180 days in New York?
- [ ] Is your household income below the New York median income for your household size?
- [ ] Have you NOT filed a Chapter 7 bankruptcy in the last 8 years?
- [ ] Have you NOT filed a Chapter 13 bankruptcy in the last 6 years?
- [ ] Did you NOT have a bankruptcy case dismissed in the last 180 days for certain reasons?
- [ ] Have you completed a credit counseling course within 180 days before filing?
What Debts Can Be Discharged (Wiped Out)?
Is Chapter 7 Right for You?
File at: New York court finder: https://www.nycourts.gov/courts/
2. Required Forms
Official Bankruptcy Forms (Required for Everyone)
| Form Number | Form Name | Purpose |
|---|---|---|
| 101 | Voluntary Petition | Starts your bankruptcy case |
| 106A/B | Schedule A/B: Property | List everything you own |
| 106C | Schedule C: Exemptions | Claim property you can keep |
| 106D | Schedule D: Creditors with Secured Claims | List secured debts (mortgage, car) |
| 106E/F | Schedule E/F: Creditors with Unsecured Claims | List unsecured debts |
| 106G | Schedule G: Executory Contracts and Unexpired Leases | List leases and contracts |
| 106H | Schedule H: Codebtors | List anyone who cosigned your debts |
| 106I | Schedule I: Your Income | List current monthly income |
| 106J | Schedule J: Your Expenses | List monthly expenses |
| 106Dec | Declaration About Schedules | Sign under penalty of perjury |
| 106Sum | Summary of Schedules | Summary of all schedules |
3. Step-by-Step Filing Instructions
Before You File: 60-90 Days Before
- Find an approved credit counseling agency at: https://justice.gov/ust/eo/bapcpa/ccde/cc_approved.htm
- Complete the 60-90 minute course (online or phone)
- Receive your certificate of completion (Form 423)
- Certificate is valid for 180 days
- Get your average monthly income for the last 6 months
- Compare to New York median income for your household size
- If below median: You qualify, no further calculation needed
- If above median: Complete Form 122A-2 to calculate allowed expenses
Filing Your Case
- Fill out Form 101 (Voluntary Petition)
- Complete Schedules A/B through J
After Filing
5. Filing Checklist
- [ ] Form 101 - Voluntary Petition (original)
- [ ] Schedules A/B through J
- [ ] Schedule Summary (Form 106Sum)
- [ ] Declaration (Form 106Dec)
- [ ] Statement of Financial Affairs (Form 107)
- [ ] Form 122A-1 (Current Monthly Income)
- [ ] Form 122A-2 (Means Test - if income above median)
- [ ] Credit Counseling Certificate (Form 423)
- [ ] Statement of Intention (if you have secured debts)
- [ ] Mailing matrix (list of all creditor addresses)
- [ ] Filing fee ($338) or fee waiver application
LEGAL AID
- Legal Services of the Hudson Valley: lshv.org · 1-877-574-8529
- Legal Aid Society of NYC: legal-aid.org · (212) 577-3300
- NY Courts Self-Help: nycourts.gov/selfhelp · (212) 428-2104
- Legal Services NYC: legalservicesnyc.org · (212) 431-7200
*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 New York attorney or legal aid. jurist-diction.com*