what exactly do i need to to file chapter 7 how do i find out exactly who i owe money too/

The easiest and by far the best way is to contact a bankruptcy attorney for a consultation, then hire them (or another bankruptcy attorney that you like better).  They will take care of everything necessary to comply with the court rules and procedures. As far as finding out who your creditors are, that is your responsibility, although most bankruptcy attorney will pull a credit report for you.  Credit reports, however, are not that accurate and don't necessarily show all of your creditors.  Not to worry though.  As long as you make a good faith effort to find out the names/addresses and amounts, if your Chapter 7 case is a "no-asset" case (meaning all your assets are exempt) then even if you fail to list a creditor, you will be discharged from having to repay them. Mark J. Markus, Attorney at Law Handling exclusively bankruptcy law cases in California since 1991. http://www.bklaw.com/ bankruptcy blog: http://www.bklaw.com/bankruptcy-blog/ Follow Me on Twitter:  @bklawr