If you’re overwhelmed by debt and searching for relief, learning how to file bankruptcy for free in Indiana could be your first step toward financial recovery. As of August 2025, Indiana residents have more accessible options than ever to file Chapter 7 bankruptcy without paying attorney fees—thanks to nonprofit tools, online court systems, and updated legal aid resources.
The Latest on Free Bankruptcy Filing in Indiana
Indiana’s bankruptcy landscape has evolved significantly in 2025. The Southern District of Indiana now offers Electronic Self-Representation (eSR), a secure online tool that allows individuals to file Chapter 7 or Chapter 13 bankruptcy petitions without an attorney. This system is free to use, though filers must still pay the standard court filing fee unless they qualify for a waiver.
Additionally, platforms like Upsolve continue to provide free filing assistance for Chapter 7 bankruptcy. Upsolve is a nonprofit backed by institutions like Harvard University and featured in Forbes. It helps users complete forms, take required credit counseling courses, and prepare for court—all without legal fees.
Key Points Summary 🧾
Here’s your fast-track guide to filing bankruptcy for free in Indiana:
| Step | What You Need to Do |
|---|---|
| ✅ Credit Counseling | Complete a course from an approved provider |
| 📄 Gather Documents | Income, debts, assets, expenses |
| 🖥️ Use eSR or Upsolve | File online without a lawyer |
| 💰 Filing Fee | Pay or apply for a waiver |
| 👨⚖️ Attend Trustee Meeting | Short hearing to finalize your case |
Step-by-Step Guide to Filing Bankruptcy for Free
Here’s how Indiana residents can file Chapter 7 bankruptcy without paying for legal representation:
Read Also-A Comprehensive Guide: How to File Bankruptcy: [Updated 2025]
1. Complete Credit Counseling
Before filing, you must take a credit counseling course from a provider approved by the U.S. Trustee Program. This is mandatory and must be completed within 180 days before filing.
2. Gather Financial Documents
You’ll need:
- Pay stubs and income records
- Tax returns (last two years)
- Bank statements
- Debt statements (credit cards, medical bills, etc.)
- Asset list (vehicles, property, valuables)
3. Use Free Filing Tools
Read Also-Understanding Bankruptcy Forms: A Complete Guide
You have two main options:
- Upsolve: Ideal for simple Chapter 7 cases. It walks you through the process and helps you generate all necessary forms.
- eSR (Electronic Self-Representation): Offered by the Southern District of Indiana Bankruptcy Court. It’s a guided online system for filing Chapter 7 or Chapter 13 without a lawyer.
4. Submit Your Petition
Once your forms are complete:
- Submit them via eSR or print and file at your local bankruptcy court.
- Pay the filing fee (currently $338 for Chapter 7) or apply for a fee waiver using Form B3A.
5. Attend the 341 Meeting
This is a short meeting with a bankruptcy trustee. You’ll answer questions about your finances under oath. No judge is present, and it typically lasts less than 10 minutes.
Who Qualifies for Free Filing?
You may be eligible to file bankruptcy for free in Indiana if:
- Your income is below the state median (about $56,000 for a single filer in 2025)
- You have minimal assets
- You’re filing Chapter 7 and can use tools like Upsolve or eSR
- You qualify for a court fee waiver
Legal Aid Resources in Indiana
If your case is complex or you need guidance:
- Indiana Legal Services: Offers free legal help to low-income residents.
- Pro Bono Indiana: Connects you with volunteer attorneys.
- Local Bar Associations: May offer free bankruptcy clinics or referrals.
Final Thoughts
Filing bankruptcy doesn’t have to be expensive or intimidating. With tools like Upsolve and eSR, Indiana residents can take control of their financial future without paying thousands in legal fees. If you’ve used these resources or have questions, drop a comment below—we’d love to hear your experience or help you take the next step.