How do you file Chapter 7 or Chapter 13 bankruptcy?

Get to a bankruptcy attorney or consult with one over the phone about your circumstances.

You hire an attorney.

You should call and make an appointment with an experienced bankruptcy attorney.

Bankruptcy is a very complicated process. It is wise to talk to an experienced bankruptcy attorney before deciding to take this important step.

If you only have one debt or just a few debts, you may wish to consider options other than bankruptcy. How you file bankruptcy is a question that is far too complex to answer online. Whether you should file is a question you should discuss with a local bankruptcy attorney based on your unique situation.

If it has been more than 6 years since you last made a payment the statute of limitations would bar them from collecting the debt. It is up to you to assert that defense. They will continue to try to collect until you convince them otherwise.

Generally you can only be sued within four years of default on a bill (4 years from the date you stop making payments) but you might have extended the statute of limitations and there are a number of ways you can do that accidentally or intentionally. If there was a judgment against you obtained from a Court then the judgment is good for 10 years initially and can be extended over and over forever essentially. To file for bankruptcy you need to hire bankruptcy lawyer. While you can do it yourself, it is a terrible, risky idea and bound to give you severe headaches and anxiety attacks. However, if you insist on doing it without a lawyer, then you need to buy a book on how to do it and read it cover to cover until you understand the process. It also depends on how much you still owe which you don't say but you need to find out first if the creditor has the right to sue you.