Where should the money come from for the bankruptcy?

If you have credit card debt, don't pay the credit card company and use that money to pay your bankruptcy costs.

You can borrow the funds from family or friends, just don't pay them back until after the bankruptcy is filed.

Work for it or have someone give it to you.

Unless the money to pay for bankruptcy comes from family or friends who have given you the money, many people dip into any savings they have. But as a practical matter, most people stop paying their old bills to be able to save up the money to pay for the cost of filing bankruptcy.

Regarding the filing fee for chapter 7 BR, you are able to waive the fee or pay it in installments, if you meet federal requirements regarding ability to pay such costs. Some organizations offer petition preparing services without charges if you meet their requirements regarding income, age, disability, etc. Of course, you should not borrow the funds, and then seek to discharge the liability. Filing BR involves time, careful planning, expenses, and diligence, so you should research the benefits and costs of BR.