ANSWER: To declare bankruptcy, you must submit a bankruptcy petition with the court. That petition will also need to include a creditor mailing matrix, or a list of all your creditors and their mailing addresses, so that they can be notified of your bankruptcy filing.
To discharge your debts in bankruptcy, you must complete two credit counseling courses. These courses are taken online. The first must be completed before you file your petition, and you must include your course completion certificate in your filing. The second course must be taken within 60 days of your 341 Meeting of Creditors, which is a hearing that is mandatory for both chapters of bankruptcy. You will also need to comply with any additional requests from your bankruptcy trustee. There may be other requirements, depending on the chapter you file.
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