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Chapter 7 Voluntary Petition Checklist

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CHAPTER 7 VOLUNTARY PETITION CHECKLIST

Complete Filing Package Verification

Case Name: _________________________________
Filing Date: ____/____/________
Court/District: _________________________________
Attorney: _________________________________

SECTION 1: OFFICIAL FORMS - CORE FILING DOCUMENTS

1.1 Voluntary Petition Package

Official Form	Form Name	Status	Signed	Dated
Form 101	Voluntary Petition for Individuals Filing for Bankruptcy	☐ Complete	☐	☐
Form 101A	Initial Statement About an Eviction Judgment Against You	☐ Complete ☐ N/A	☐	☐
Form 101B	Statement About Payment of an Eviction Judgment Against You	☐ Complete ☐ N/A	☐	☐
Form 119	Bankruptcy Petition Preparer's Notice, Declaration, and Signature	☐ Complete ☐ N/A	☐	☐

Reference: 11 U.S.C. Section 301 - Voluntary Cases

1.2 Filing Fee & Fee Waiver Forms

Form	Status	Amount/Notes
Filing Fee Payment	☐ Full payment enclosed ($338)	$_____________
Form 103A	Application to Pay Filing Fee in Installments	☐ Complete ☐ N/A
Form 103B	Application to Have the Chapter 7 Filing Fee Waived	☐ Complete ☐ N/A

SECTION 2: SCHEDULES

Reference: 11 U.S.C. Section 521(a)(1)(B)(i); Fed. R. Bankr. P. 1007

2.1 Asset Schedules

Official Form	Schedule	Description	Status	Notes
Form 106A/B	Schedule A/B	Property	☐ Complete	Real & personal property
Form 106C	Schedule C	Property Claimed as Exempt	☐ Complete	Federal or state exemptions

Exemption System Selected:
☐ Federal Exemptions (11 U.S.C. Section 522(d))
☐ State Exemptions: _________________

2.2 Liability Schedules

Official Form	Schedule	Description	Status	Notes
Form 106D	Schedule D	Creditors Who Have Claims Secured by Property	☐ Complete
Form 106E/F	Schedule E/F	Creditors Who Have Unsecured Claims	☐ Complete	Priority & non-priority

2.3 Executory Contracts & Codebtors

Official Form	Schedule	Description	Status	Notes
Form 106G	Schedule G	Executory Contracts and Unexpired Leases	☐ Complete
Form 106H	Schedule H	Your Codebtors	☐ Complete

2.4 Income & Expense Schedules

Official Form	Schedule	Description	Status	Notes
Form 106I	Schedule I	Your Income	☐ Complete
Form 106J	Schedule J	Your Expenses	☐ Complete
Form 106J-2	Schedule J-2	Expenses for Separate Household of Debtor 2	☐ Complete ☐ N/A	If joint but separate

2.5 Summary

Official Form	Description	Status
Form 106Sum	Summary of Your Assets and Liabilities and Certain Statistical Information	☐ Complete

SECTION 3: STATEMENTS

Reference: 11 U.S.C. Section 521(a)(1)(B)(ii), (iii)

3.1 Required Statements

Official Form	Statement	Status	Signed
Form 107	Statement of Financial Affairs for Individuals Filing for Bankruptcy	☐ Complete	☐
Form 108	Statement of Intention for Individuals Filing Under Chapter 7	☐ Complete	☐
Form 106Dec	Declaration About an Individual Debtor's Schedules	☐ Complete	☐

3.2 Statement of Intention Details

Reference: 11 U.S.C. Section 521(a)(2)

Secured Property	Creditor	Intention Selected
_________________	_________________	☐ Surrender ☐ Retain-Reaffirm ☐ Redeem ☐ Retain-Claim Exempt
_________________	_________________	☐ Surrender ☐ Retain-Reaffirm ☐ Redeem ☐ Retain-Claim Exempt
_________________	_________________	☐ Surrender ☐ Retain-Reaffirm ☐ Redeem ☐ Retain-Claim Exempt

Filing Deadline: Within 30 days of filing or by Section 341 meeting, whichever is earlier
Performance Deadline: Within 30 days of first Section 341 meeting date

SECTION 4: MEANS TEST FORMS

Reference: 11 U.S.C. Section 707(b)(2)

4.1 Means Test Forms

Official Form	Description	Status	Applicable?
Form 122A-1	Chapter 7 Statement of Your Current Monthly Income	☐ Complete	☐ Required for all consumer debtors
Form 122A-1Supp	Statement of Exemption from Presumption of Abuse Under Section 707(b)(2)	☐ Complete	☐ Only if exempt
Form 122A-2	Chapter 7 Means Test Calculation	☐ Complete	☐ Only if above median

4.2 Means Test Determination

☐ Primarily business debts - means test NOT required
☐ Disabled veteran exemption - Form 122A-1Supp filed
☐ Below median income - Form 122A-1 only
☐ Above median income - Forms 122A-1 AND 122A-2 required

Current Monthly Income: $_____________
State Median (household size: ___): $_____________
Result: ☐ Below Median ☐ Above Median

SECTION 5: CREDIT COUNSELING CERTIFICATE

Reference: 11 U.S.C. Section 109(h)

5.1 Pre-Filing Credit Counseling

Requirement	Debtor 1	Debtor 2
Certificate Attached	☐ Yes	☐ Yes
Certificate Date	____/____/____	____/____/____
Within 180 Days?	☐ Yes	☐ Yes
Approved Agency?	☐ Verified	☐ Verified

OR Waiver/Exemption:

☐ Form attached requesting temporary waiver (exigent circumstances)
☐ Exemption under 11 U.S.C. Section 109(h)(4) (incapacity, disability, active military)

SECTION 6: CREDITOR MATRIX

Reference: Fed. R. Bankr. P. 1007(a)(1)

6.1 Creditor List Requirements

Requirement	Status	Notes
All creditors from Schedule D listed	☐ Complete	Secured creditors
All creditors from Schedule E listed	☐ Complete	Priority creditors
All creditors from Schedule F listed	☐ Complete	Unsecured creditors
All addresses verified	☐ Complete	From recent statements
No duplicate entries	☐ Verified
Format per local rules	☐ Verified	Check court requirements

Total Number of Creditors: _______

6.2 Special Notice Parties

Party	Address Required	Listed
IRS (if tax debt owed)	☐	☐
State tax authority	☐	☐
Child support agency	☐	☐
U.S. Trustee	Auto-added by court	N/A

SECTION 7: PAY ADVICES & TAX RETURNS

Reference: 11 U.S.C. Section 521(a)(1)(B)(iv), (e)(2)

7.1 Pay Advices (60 Days Prior to Filing)

Requirement	Debtor 1	Debtor 2
Pay stubs collected	☐ Complete	☐ Complete
Period covered	____/____ to ____/____	____/____ to ____/____
Copies made for Trustee	☐ Yes	☐ Yes
Self-employed: P&L provided	☐ Yes ☐ N/A	☐ Yes ☐ N/A

7.2 Tax Returns

Requirement	Status
Most recent federal return filed	☐ Yes (Year: ______)
Copy provided to Trustee	☐ Yes
State returns provided (if requested)	☐ Yes ☐ N/A

Trustee Tax Return Deadline: 7 days before Section 341 meeting

SECTION 8: LOCAL FORM REQUIREMENTS

Check local bankruptcy rules for additional required forms

8.1 Common Local Forms

Local Form	Description	Required?	Complete
Statement of Social Security Number	Full SSN for court records	☐ Yes ☐ No	☐
Certificate of Credit Counseling Cover Sheet		☐ Yes ☐ No	☐
Declaration re Electronic Filing	Attorney ECF declaration	☐ Yes ☐ No	☐
Verification of Creditor Matrix		☐ Yes ☐ No	☐
Chapter 7 Individual Debtor Statement of Compliance		☐ Yes ☐ No	☐
Disclosure of Compensation of Attorney		☐ Yes ☐ No	☐
Rights and Responsibilities Agreement		☐ Yes ☐ No	☐

8.2 District-Specific Forms

District: _________________

Form Number	Form Name	Status
_____________	_________________________________	☐ Complete
_____________	_________________________________	☐ Complete
_____________	_________________________________	☐ Complete

SECTION 9: SIGNATURE VERIFICATION

9.1 Debtor Signatures Required

Document	Debtor 1 Signed	Debtor 2 Signed	Date
Form 101 (Petition)	☐	☐	____/____/____
Form 106Dec (Declaration)	☐	☐	____/____/____
Form 107 (SOFA)	☐	☐	____/____/____
Form 108 (Statement of Intention)	☐	☐	____/____/____
Form 119 (if BPP used)	☐	☐	____/____/____
Fee Waiver Application (if applicable)	☐	☐	____/____/____
Means Test Forms	☐	☐	____/____/____

9.2 Attorney Signatures Required

Document	Signature	Bar #	Date
Form 101 (Petition)	☐	_______	____/____/____
Disclosure of Compensation	☐	_______	____/____/____
ECF Declaration	☐	_______	____/____/____

SECTION 10: PRE-FILING REVIEW

10.1 Internal Consistency Check

Verification Item	Verified	Notes
Assets on A/B match exemptions on C	☐
Secured debts match collateral values	☐
Income on Schedule I matches means test	☐
Expenses on Schedule J are reasonable	☐
All income sources disclosed	☐
All assets disclosed (including expected tax refund)	☐
Prior bankruptcy cases disclosed on Form 101	☐
All names/aliases listed	☐
Social Security numbers correct	☐
Addresses current and correct	☐

10.2 Risk Assessment

Risk Factor	Present?	Mitigation
Presumption of abuse may arise	☐ Yes ☐ No	_____________
Possible preferential transfers	☐ Yes ☐ No	_____________
Possible fraudulent transfers	☐ Yes ☐ No	_____________
Non-exempt assets	☐ Yes ☐ No	_____________
Prior case dismissed in 180 days	☐ Yes ☐ No	_____________
Discharge denied in prior case	☐ Yes ☐ No	_____________

SECTION 11: FILING PACKAGE ASSEMBLY

11.1 Electronic Filing (CM/ECF)

Step	Complete
All PDFs properly formatted	☐
Documents properly named	☐
Schedules uploaded in correct order	☐
Social Security number on separate form	☐
Filing fee payment method ready	☐
Emergency filing procedures followed (if applicable)	☐

11.2 Paper Filing (if required)

Step	Complete
Original plus required copies	☐
Documents in proper order	☐
Two-hole punched at top	☐
Cover sheet attached	☐
Check/money order enclosed	☐

SECTION 12: POST-FILING REQUIREMENTS

12.1 Immediate Post-Filing Tasks

Task	Deadline	Complete
Note case number	Upon filing	☐ Case #: _____________
Calendar Section 341 meeting	From court notice	☐ Date: _____________
Provide tax returns to Trustee	7 days before 341	☐
Provide pay stubs to Trustee	7 days before 341	☐
Serve Statement of Intention on creditors	30 days from filing	☐
Prepare for reaffirmation agreements	Before discharge	☐

12.2 Debtor Education Course

Reference: 11 U.S.C. Section 727(a)(11)

Requirement	Deadline	Status
Complete debtor education course	Before discharge	☐ Completed
File certificate	Within 60 days of 341 meeting	☐ Filed

SECTION 13: FINAL VERIFICATION

13.1 Attorney Certification

I certify that I have:

☐ Reviewed all schedules and statements with the debtor(s)
☐ Verified the accuracy of all information provided
☐ Conducted reasonable investigation into the debtor's financial affairs
☐ Concluded that the petition is filed in good faith
☐ Explained all options to the debtor(s) including Chapter 13 if applicable
☐ Complied with 11 U.S.C. Section 707(b)(4)(C) and (D)

Attorney Signature: _________________________________

Date: ____/____/________

Bar Number: _________________

13.2 Filing Confirmation

☐ Filed electronically on ____/____/____ at _______ AM/PM
☐ Filed in person on ____/____/____ at _______ AM/PM

Case Number Assigned: _________________________________

Section 341 Meeting: ____/____/____ at _______ AM/PM

Location: _________________________________

Template Version 1.0 - Updated January 2026
References: 11 U.S.C. Sections 301, 521, 707; Fed. R. Bankr. P. 1002, 1007, 1009; Official Bankruptcy Forms

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Financial and banking documents govern loans, security interests, account agreements, and commercial transactions between lenders, borrowers, and financial institutions. Promissory notes, guaranties, security agreements, and UCC filings have precise legal requirements, and mistakes can leave a lender unsecured or a borrower on the hook for more than they agreed to. Well-drafted finance paperwork protects both sides and keeps the deal enforceable if something goes wrong later.

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Last updated: February 2026