If you can’t pay all of your bills because you have too much debt, you might consider whether filing bankruptcy in Indiana might be a good option. You’ll likely want to start by learning about the differences between filing for Chapter 7 or Chapter 13 bankruptcy.
After deciding which chapter is best for you, this article will help you find other information you’ll need to complete the official paperwork. For instance, here you’ll learn about bankruptcy forms, Indiana means test figures, credit counseling providers, and your local bankruptcy court. You’ll also find an explanation about protecting property in an Indiana bankruptcy.
When you file your bankruptcy case, before the bankruptcy court forgives (discharges) any debt, you’re required to provide details about all aspects of your financial circumstances. You’ll list your property, bills, income, expenses, and financial transactions on official forms, which you can download for free from U.S. Courts form page.
When complete, you’ll file your paperwork in the Indiana bankruptcy court. You’ll also include a filing fee or a request for a fee waiver and a certificate proving that you’ve completed a credit counseling course (additional information below).
Federal law governs Indiana bankruptcy cases, but you’ll need to know some aspects of Indiana state law, too.
The website of the U.S. Trustee publishes two types of Indiana-specific information: means testing figures and approved credit counseling providers.
You won’t have to worry about losing everything when you file a bankruptcy case, but you may not get to exempt (protect) all of your property.
To learn more about protecting your property, visit Indiana Bankruptcy Exemptions.
Indiana has two federal judicial districts, and each has a bankruptcy court. On each court’s website, you’ll find the court’s local rules and instructions for filing your paperwork. (For the Northern District, click on “Filing Without An Attorney—Pro Se.” For the Southern District, click on “Court Info,” then “Jurisdiction & Where to File.”)
You can also visit the Federal Court Locator page to determine where to file your case. Click on “Bankruptcy” in the drop-down box, then insert your location.
E. Ross Adair Fed. Building and U.S. Courthouse
U.S. Bankruptcy Court
Charles A. Halleck Fed. Building
Robert K. Rodibaugh U.S. Bankruptcy Courthouse
Winfield K. Denton Fed. Building and U.S. Courthouse
Birch Bayh Federal Building and U.S. Courthouse
Lee H. Hamilton Fed. Building and U.S. Courthouse
Filing for bankruptcy without an attorney can be tricky. You’ll need to understand many things that aren’t covered in this article, such as bankruptcy law and how it will affect your matter. You’ll find more comprehensive help in a do-it-yourself book such as How to File Chapter 7 Bankruptcy by Attorney Cara O’Neill and Albin Renauer J.D.