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What to do before and after filing for chapter 7 bankruptcy?

Filing for Chapter 7 bankruptcy is not an easy decision, but sometimes it can be the best option for people who are struggling with debt. 

However, the process of filing can be complicated and overwhelming. To ensure the best outcome, it is important to take certain steps before and after filing. 

In this article, we will discuss what to do before and after filing for Chapter 7 bankruptcy.

So, let’s get started.

Before Filing for Chapter 7 Bankruptcy

Evaluate Your Financial Situation

The first step before filing for bankruptcy is to evaluate your financial situation. This means looking at your income, expenses, and debts. Determine how much money you owe and to whom, and consider if there are any debts that are secured (such as a mortgage or car loan) or unsecured (such as credit card debt).

Consider Other Options

Bankruptcy should not be the first option. Consider other alternatives such as debt consolidation, debt settlement, or a debt management plan. These options can help you avoid the long-term consequences of bankruptcy.

Gather Your Financial Information

To file for bankruptcy, you will need to provide detailed financial information. Gather documents such as tax returns, bank statements, pay stubs, and bills. This information will be used to determine your eligibility and help you prepare for the bankruptcy process.

Seek Professional Advice

Filing for bankruptcy can be complicated, and it is essential to seek professional advice. Talk to a bankruptcy lawyer or a credit counsellor to understand your options and ensure that you make the best decision for your financial situation.

After Filing for Chapter 7 Bankruptcy

Attend Credit Counseling

Before your debts can be discharged, you must attend credit counselling. This counselling session will help you understand how to manage your finances and avoid debt in the future.

Work with the Trustee

When you file for Chapter 7 bankruptcy, a trustee will be appointed to oversee the process. The trustee’s role is to sell your nonexempt assets and use the proceeds to pay off your creditors. Work with the trustee to ensure that your assets are properly valued and that you understand the process.

Continue to Make Payments

While your debts are being discharged, it is important to continue making payments on secured debts such as a mortgage or car loan. This will help you keep these assets and avoid foreclosure or repossession.

Rebuild Your Credit

Bankruptcy will have a negative impact on your credit score, but it is possible to rebuild your credit. Consider applying for a secured credit card or a small loan, and make timely payments to show that you are a responsible borrower.


Filing for Chapter 7 bankruptcy can be difficult, but it is important to take certain steps before and after filing to ensure the best outcome. Before filing, evaluate your financial situation, consider other options, gather your financial information, and seek professional advice. After filing, attend credit counselling, work with the trustee, continue to make payments, and rebuild your credit. With the right preparation and guidance, you can start fresh and achieve financial stability.


1. Will bankruptcy eliminate all of my debts?

No, not all debts can be eliminated through bankruptcy. Some debts, such as student loans, taxes, and child support payments, are not dischargeable.

2. Can I file for bankruptcy on my own?

Yes, you can file for bankruptcy independently, but it is recommended to seek professional advice from a bankruptcy lawyer or credit counsellor.

3. Will bankruptcy affect my ability to get a job?

Employers cannot discriminate against you for filing for bankruptcy, but some employers may conduct credit checks as part of the hiring process.

4. How long will bankruptcy stay on my credit report?

A Chapter 7 bankruptcy will stay on your credit report for 10 years, which can make it difficult to obtain credit or loans during that time.

5. Can I file for Chapter 7 bankruptcy more than once?

You can file for Chapter 7 bankruptcy more than once, but there are certain time limits and restrictions in place. It is best to seek professional advice before filing for bankruptcy multiple times.