---
title: What steps do I need to take to file for bankruptcy in Illinois?
description: Searching for answers on how to file for bankruptcy in Illinois? Look no further than Legal FAQs. Our blog offers step-by-step guidance on navigating the bankruptcy process and achieving financial relief. Learn the ins and outs of Chapter 7 and 13 filings and get expert advice to guide you through the process.
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---

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 May 16, 2023

# What steps do I need to take to file for bankruptcy in Illinois?

![Picture of Chris Battis](https://www.legalfaq.ai/hs-fs/hubfs/battis-mug.jpg?width=50&name=battis-mug.jpg) By  [Chris Battis](https://www.legalfaq.ai/faqs/author/chris-battis)  ·   1 minute read

To file for bankruptcy in Illinois, a debtor must first determine which type of bankruptcy they would like to file: Chapter 7 or Chapter 13.

Chapter 7 bankruptcy, also known as liquidation bankruptcy, is the most common type of bankruptcy filed in Illinois. This form of bankruptcy is designed for individuals who cannot repay their debts. To qualify for Chapter 7 bankruptcy, a debtor must pass a means test to determine if their income is below the state median.

After determining eligibility, the debtor will need to gather the necessary documents and file a bankruptcy petition with the Illinois bankruptcy court. The petition must include information on the debtor’s income, expenses, debts, and assets. The debtor must also attend a meeting of creditors, where a bankruptcy trustee will ask them questions about their finances and assets.

In Chapter 13 bankruptcy, the debtor is required to create a repayment plan that spans three to five years. During this time, the debtor will make payments to their creditors. To qualify for Chapter 13 bankruptcy, the debtor must have a regular income and be able to make the required payments.

To file for Chapter 13 bankruptcy, the debtor must also gather all their necessary documents and file a bankruptcy petition with the Illinois bankruptcy court. The petition must include a proposed repayment plan, along with information on the debtor’s income, expenses, debts, and assets. Like in Chapter 7 bankruptcy, the debtor must attend a meeting of creditors.

It is important to note that bankruptcy laws and procedures vary by state, and there may be particular rules and requirements that are unique to Illinois. Additionally, filing for bankruptcy can have significant consequences, and it is important to carefully consider the potential impact before doing so. It may be helpful to seek the advice of a qualified bankruptcy attorney who can provide personalized guidance based on the debtor’s specific situation.

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