- -A schedule of secured and unsecured creditors and what is owed to each.
- -A statement of the debtor's financial affairs.
- -A list of the debtor's property.
- -A statement of the debtor's current income and expenses.
- -A certificate of credit counseling.
- -Copies of evidence of payments from employers within 60 days.
- -A statement of monthly income
- -A copy of the debtor's most reent federal income tax return.
Additional info may be required- a photo ID and copies of other tax returns must be submitted if the U.S. trustee requires. The schedules and other documents must be filed within 45 days of the petition (except for the tax return, which can be filed up to 7 days before the 1st creditors' meeting).
Tax returns during bankruptcy- a tax return must be filed each year while a case is pending, with a copy provided to the court.
Substantial Abuse-Means test- A grant of relief cannot be substantial abuse of Chp 7. If a debtor's family income is greater than the median family income in the state in which the petition is filed, the petition may be dismissed on a presumption of abuse. If the income is below the median, bad faith or another factor is the test.
Additional grounds for dismissal- A petition may be dismissed for a conviction of a violent or drug related crime, or a failure to file the necessary documents or to pay post-petition domestic support.
Order for relief- the filling of the petition constitutes an order for relief (a discharge of debts). Creditors must be notified within 20 days.