Bankruptcy & Debtor Assistance

Publications and Resources

Guide

Answer Instructions for Pro Se Debtors

If one or more of your creditors sues you in the bankruptcy court, you must …

Template/Sample Form

Answer Form for Pro Se Debtors

This is a “fill-in-the-blank” form that you can use to prepare your answer, in case …

Guide

Canceling a Reaffirmation Agreement

A reaffirmation agreement is a new contract between you and the creditor where you agree to pay a debt voluntarily that would have been discharged in your bankruptcy case. However, you have a limited amount of time in which you can cancel the agreement.

Guide

Chapter 7 Post-Filing Checklist

What you need to do after filing for Chapter 7 bankruptcy.

Guide

Checklist for Chapter 7 Bankruptcy

What you need to gather and prepare before filing Chapter 7 bankruptcy.

Guide

Credit Counseling and Financial Management Course Providers

Each debtor who files for bankruptcy is required to take two courses lasting 1-2 hours each, offered online or over the phone. One is required before filing, and the other must be completed after filing.

External Resource

Downloadable Bankruptcy Forms (link directs you to Bankruptcy Court’s website)

Download and fill out the forms necessary to file a bankruptcy in the Central District …

Guide

California Bankruptcy Exemptions [April 2019]

Exemptions allow you to keep certain assets after bankruptcy. Here is a list of some commonly used California exemptions.

Guide

Bankruptcy Filing Fee Waiver

If you cannot afford the filing fee for bankruptcy, you may be able to ask …

External Resource

Bankruptcy Filing – Fee Waiver Application and Instructions

This is the actual application for a fee waiver from the court. The instructions will …

External Resource

Free or Low-Cost Bankruptcy Help

A listing of various agencies and services throughout Southern California that offer free and low-cost …

Guide

Free Credit Report

Instructions for how to get a free credit report from all three credit reporting agencies, …

Guide

Managing Your Student Loans

Instructions for how to manage your student loan debts.

Guide

Meeting of Creditors (Chapter 7)

In each Chapter 7 bankruptcy case, you will have a meeting with the Chapter 7 …

Template/Sample Form

“No Contact” Letter (Sample)

If you are “judgment-proof,” meaning that you have no assets that debt collectors can obtain …

Template/Sample Form

“No Contact” Letter (Template)

This is a “fill-in-the-blanks” version of our “No Contact” letter that you can download, print, …

Guide

Reaffirmation Hearing Informational Packet

A reaffirmation agreement is where you agree to pay a debt even though you could …

External Resource

Tax Transcript (link directs to IRS website)

When you file for Chapter 7 bankruptcy, you may need to provide your recent Federal …

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