Recent transfers
Money moved to family, friends, or other accounts can matter, especially if the timing was recent.
Chapter 7 document guide
Chapter 7. The records that move it fastest.
Income, taxes, bank activity, ID, and the loans or notices already in front of you. Start there. The office can build a clean six-month picture from those — and the means-test analysis follows from that.
01
Primary Documents
The records that usually make a Chapter 7 file usable for a first review.
- Last 6 months of pay stubs for the filing spouse and any required non-filing spouse income support.
- Most recent federal and state tax returns, with schedules if available.
- Last 3 months of bank statements and investment account statements.
- Driver's license or other photo ID and Social Security card.
- Vehicle loan statements, mortgage statements, lease information, and current proof of insurance when applicable.
- Any garnishment papers, lawsuit notices, collection letters, or other urgent creditor documents.
02
Issues That Slow Review
Common facts that usually create more Chapter 7 questions.
Tax refunds
Expected refunds, recently received refunds, or refund deposits often matter in timing and asset review.
Vehicle or property equity
Titles, loan payoffs, and current balances help the office understand secured assets more accurately.
Business or cash income
Self-employment records, 1099s, invoices, bookkeeping reports, and deposit patterns often need extra explanation.
Ready to start the Chapter 7 document file?
Use the secure portal to begin the intake, then return later with the same Submission ID if you need to add more documents in stages.