Rule out a Chapter 13 bankruptcy. In a Chapter 13 bankruptcy, a debtor pays off her creditors over a set period of time. Because you have no available income, Chapter 13 bankruptcy is not a realistic option for you.
Contact organizations that provide free legal services to see if you qualify for representation in your case. These groups include legal aid organizations and clinics operated by law schools.
Obtain free standardized forms to use in filing a bankruptcy case. These forms usually can be obtained through the bankruptcy court clerk's office as well as from many office supply stores.
Organize the names, addresses, account numbers and balance due on all of the accounts for which you owe money.
Complete the bankruptcy petition form together with the associated documents. Make sure that you complete the matrix of creditors, which is the standard form that is used to provide information about your creditors.
Prepare a motion to gain permission from the bankruptcy court to pay your filing fee in installments.
File the bankruptcy petition and associated documents, together with the motion regarding the filing fee, with the clerk of the bankruptcy court.