Submitting a Bankruptcy Package Electronically

Debtors are strongly encouraged to obtain the services of competent legal counsel. Even if you cannot afford to pay an attorney, you may qualify for free legal services. For information about free (also known as "pro bono") legal services in New Jersey click here. You may also contact your state or local bar association for assistance in hiring an attorney.

The staff at the Bankruptcy Court is not permitted to give you legal advice. If you have questions you may find the information you need by reviewing the links provided on this page.

BEFORE YOU FILE FOR BANKRUPTCY
Before you file for bankruptcy, you must do several things:
  • Receive credit counseling from an approved provider within 180 days before you file. The law requires that you receive credit counseling before you file for bankruptcy.  If you and your spouse are filing together, both of you must obtain credit counseling. Failure to do so may result in dismissal of the case. You may have the credit counseling one-on-one or in a group, by telephone or by internet. After you finish the counseling, you will receive a certificate that you must file with the Court. For a list of approved providers click here.

 

SUBMITTING A BANKRUPTCY PACKAGE ELECTRONICALLY

This Package contains the Official Forms an individual must file with the Court to initiate a bankruptcy case, including a questionnaire that will prepare the petition and instructions as to how to complete the other forms.  You should gather all of your financial documents before you begin.

IMPORTANT: To submit your petition electronically you must have access to an email account and a computer with Adobe Reader.

For help with technical issues, you may contact the Electronic Bankruptcy Package helpdesk at (973) 645-4764.

Complete the Chapter 7 Electronic Bankruptcy Package

Upon your submission of the Chapter 7 Electronic Bankruptcy Package, the clerk will send you an email confirmation.  The confirmation contains instructions for the submission of the additional items identified below that are required to complete your bankruptcy filing.  It is important to understand that your bankruptcy package is not filed unless and until the court receives these required additional items.

Additional Items Required to Complete Your Filing

Within (14) days of submitting your Bankruptcy Package, you must provide the clerk with several additional items. They may be sent by U.S. mail, overnight carrier or hand delivered, and must be provided to the address of the Court contained in your email confirmation. If the clerk does not receive your additional items within 14 days, your Bankruptcy Package will be invalid.

  • All signature pages (signed and dated). Signature lines are highlighted in yellow for ease of reference.
  • Signed Statement of Social Security Number for each debtor.
  • Certificate of Credit Counseling for each debtor.
  • Money Order (made payable to Clerk U.S. Bankruptcy Court), in the amount of the full filing fee or completed Application to Pay Filing Fee in Installments or Application to Waive the Chapter 7 Filing Fee.
  • A photocopy of an acceptable form of government issued picture identification.  For additional information, click here.

The clerk will mark your case filed on the date the additional items are received. Immediately after filing the clerk will email to you a Notice of Bankruptcy Case Filing. This document is proof that you have filed for bankruptcy.