7Reset is a self-help legal document preparation service and is not a law firm. We do not provide legal advice, and no attorney-client relationship is formed by using this service. The information, tools, and documents provided through 7Reset are for general informational and self-help purposes only.
Individuals have the legal right to file bankruptcy on their own behalf ("pro se") without an attorney. 7Reset assists with that process by providing guided form completion tools and educational information only.
If you have complex legal questions specific to your individual situation — including unusual assets, business debts, ongoing litigation, or prior bankruptcy filings — we strongly recommend consulting a licensed bankruptcy attorney in your state before filing.
Use of this service does not constitute legal advice and should not be relied upon as such.
Answer plain-English questionsAbout your debts, income & assets
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Means test runs automaticallyInstant Chapter 7 eligibility check
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All federal forms auto-filledPetition, Schedules A–J & more
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Download & file at your courthouseStep-by-step state-specific guide
Collections stop the moment you fileThe automatic stay is immediate — by law
"We were drowning in debt and couldn't afford an attorney. 7Reset gave us our life back."
Millions of Americans face financial hardship every year. You don't have to pay an attorney $1,500–$3,500 to file paperwork that you can legally complete yourself. 7Reset was built for people exactly like you — stressed, overwhelmed, and ready for a fresh start.
500k+
Americans file Chapter 7 on their own every year
Average user saves $1,353–$3,353 compared to hiring a bankruptcy attorney. Same result. A fraction of the cost.
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Chapter 7 discharge rate for qualified no-asset filers
$0
Average attorney fee — what you won't pay
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Of Chapter 7 cases can be filed without an attorney
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Average 7Reset completion time
The Process
Three Steps to a Fresh Start
We break the entire Chapter 7 process into a clear, guided flow. No legal jargon. No confusion. Just forward momentum — one question at a time.
1
Answer Simple Questions
Our smart wizard asks plain-English questions about your debts, income, assets, and expenses. No form numbers or legal terms — we translate everything behind the scenes and guide you the whole way.
2
We Generate Your Filing Packet
Your answers automatically fill out every required federal form — the Voluntary Petition, Schedules A through J, Statement of Financial Affairs, Means Test, and more. Print-ready in minutes.
3
File & Get Your Fresh Start
Download your complete, court-ready packet and follow our step-by-step courthouse filing guide for your state. The automatic stay begins the moment you file — stopping all collection calls immediately.
Free Eligibility Check
Should You File for Bankruptcy?
Answer 4 quick questions and we'll tell you if Chapter 7 may be right for you — in seconds. No sign-up required.
30-day satisfaction guarantee — not the right fit for your situation? Contact us within 30 days for a full refund.
Attorney fees
$1,500–$3,500
For paperwork you can file yourself
vs
7Reset
$167
One-time fee. Same result.
File it yourself. Legally. For a fraction of the cost.
Built-In AI Assistant
Questions? Get Answers Instantly — 24/7.
Stuck on a question during your filing? Just ask. Our AI assistant gives plain-English information about the bankruptcy process any time of day or night — right inside your filing wizard.
✓ Available 24/7
✓ Plain English
✓ Instant
AI
7Reset Assistant● Online — responds instantly
Can I keep my car if I file Chapter 7?
In most cases, yes! If you're current on your payments and your equity falls within your state's exemption limit, you can keep it by reaffirming the debt. I'll walk you through this right in the wizard.
Will I lose my bank account?
Most filers protect their funds using state "wildcard" exemptions. In your filing we'll identify exactly which exemptions apply and flag anything that needs attention before you file.
Common Questions
Everything You Need to Know
No. Individuals have the legal right to file bankruptcy "pro se" — on their own behalf — without an attorney. 7Reset provides all the tools, forms, and guidance to do exactly that.
You must pass the "means test," which compares your income to your state's median income. Our built-in means test calculator runs this automatically and tells you instantly whether you qualify.
Filing with 7Reset takes as little as 20 minutes. Once filed, most cases receive a discharge in 3–6 months. The automatic stay stops collections immediately upon filing.
Most Chapter 7 filers are "no-asset" cases — meaning they keep all property through exemptions. Our wizard identifies every exemption available to protect your assets.
Credit cards, medical bills, personal loans, and most unsecured debt can be discharged. Student loans and recent tax debts typically cannot. We clearly flag non-dischargeable debts in your filing.
No problem. Your progress is saved automatically at every step. Pick up exactly where you left off on any device, any time. Your information is securely stored until your packet is complete.
7Reset walks you through every question with plain-English prompts and built-in guidance — it's designed to prevent errors before they happen. You can save your progress and review everything before you download.
A Chapter 7 filing appears on your credit report for up to 10 years. Your score will dip initially — but most filers see improvement within 12–24 months as discharged balances are removed and their debt load drops. For people already behind on payments, facing judgments, or dealing with wage garnishment, the credit impact of filing is often less damaging than the ongoing record of missed payments and collections.
The phone stops ringing the day you file.
Every call, every letter, every garnishment — paused by federal law the moment your petition is submitted. It takes about 20 minutes. You know how it works. Start now.
