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Official Form 101, Voluntary Petition for Individuals Filing for Bankruptcy, page 1
Very Complex · 89/100Form Complexity Index

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What this form asks for

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Official Form 101 is the primary “opening” document that begins an individual (or joint) bankruptcy case in U.S. Bankruptcy Court. It collects identifying information for Debtor 1 (and Debtor 2 in a joint case), the chapter being filed, prior bankruptcy history, fee payment method, and required disclosures such as credit counseling status and eviction-judgment information (if applicable). Filing this petition triggers the bankruptcy case and, in most cases, the automatic stay, and it sets deadlines for submitting required schedules and statements. Because errors or omissions can lead to dismissal or other serious consequences, it is critical that the petition is complete, accurate, and consistent with the rest of the bankruptcy filing package.
Fillable fields2436
Pages67
Sections22
Tables and lists4
Questions that depend on earlier answers8
Form Complexity IndexVery Complex, 89/100

The AI checks your answers before you download

15 checks built for this form, so a wrong date or a missing answer is caught before anyone else sees it.

Validates Debtor 1 and Debtor 2 full legal names match government-issued ID format requirements

Ensures each debtor’s name fields (first, middle, last, suffix) are completed when applicable and do not contain business/entity names, nicknames, or placeholders. This is important because the petition requires the name exactly as shown on government-issued photo identification, and mismatches can cause trustee meeting issues and notice problems. If validation fails, the submission should be rejected or flagged for correction before filing, requiring the filer to update the name fields to match ID.

Ensures consistency of debtor names across Form 101 and Form 121 (SSN Statement)

Checks that Debtor 1 and Debtor 2 names on Official Form 121 exactly match the corresponding debtor names on Official Form 101 (including spelling and suffix). This is critical because Form 121 is used to associate full SSN/ITIN with the correct debtor while keeping public filings limited to last four digits. If validation fails, the system should block submission and require reconciliation to prevent misidentification and privacy/notice errors.

Validates SSN/ITIN formats and mutual exclusivity rules (last-4 vs full number by form)

On Form 101, validates that only the last 4 digits are provided in the SSN/ITIN field and that they are exactly four numeric digits; on Form 121, validates that full SSN is 9 digits (or ITIN begins with '9' and is 9 digits) and that 'You do not have a SSN/ITIN' is not checked when a number is provided. This prevents privacy violations in public records and ensures the court can properly identify the debtor. If validation fails, the system should reject the filing and prompt the user to correct the number entry and/or the checkbox selections.

Validates EIN format and requires EIN only when business/sole proprietor information indicates applicability

Ensures any Employer Identification Number entered is exactly 9 digits in the standard XX-XXXXXXX format and is not confused with an SSN/ITIN. Also checks logical applicability: if the debtor indicates business ownership/operation (e.g., sole proprietor or business connections), an EIN may be expected; if no business activity is indicated, EIN should be blank unless clearly justified. If validation fails, the system should flag the EIN field for correction and optionally require an explanation when an EIN is provided without business context.

Validates address completeness and USPS formatting for residence and mailing addresses

Checks that the residence address includes street number/name (or valid PO Box where allowed), city, state (2-letter USPS code), ZIP code (5 digits or ZIP+4), and county where requested. This is essential because court notices are mailed to the provided mailing address and incomplete addresses can result in missed deadlines and returned mail. If validation fails, the system should prevent submission until all required address components are present and properly formatted.

Ensures district/venue selection is completed and 'another reason' includes an explanation

Validates that the filer selects exactly one venue basis option for each applicable debtor (lived in district longer than any other in last 180 days vs. another reason). If 'I have another reason' is selected, an explanation text must be provided and must not be blank or placeholder text. If validation fails, the system should block submission because venue defects can lead to transfer/dismissal and improper case administration.

And 9 more checks
  • Validates chapter selection consistency across petition header and Part 2 (Chapter you are filing under)
  • Validates filing fee payment method selection and required attachments for installments/waiver requests
  • Validates prior bankruptcy filing disclosures (dates, districts, case numbers) when 'Yes' is selected
  • Validates related-case disclosure for spouse/partner/affiliate cases when 'Yes' is selected
  • Validates rental/eviction logic and required Form 101A attachment when eviction judgment is indicated
  • Validates credit counseling eligibility selection and enforces required supporting documents and timing flags
  • Validates required signatures and execution dates for debtors and attorney (as applicable)
  • Validates pro se (no-attorney) acknowledgments and petition preparer disclosures
  • Validates Master Mailing List (creditor matrix) formatting and declaration completeness per District of Arizona requirements

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How to Fill Out Official Form 101 Online for Free in 2026

What the AI walks you through.

  1. Select the bankruptcy chapter (7/11/12/13) and confirm eligibility; gather required information and documents (government-issued ID, creditor list, income/pay stubs, asset and debt records).
  2. Enter debtor information for Debtor 1 (and Debtor 2 if filing jointly): legal name as shown on ID, any other names used in the last 8 years, and last 4 digits of SSN/ITIN (full SSN is provided separately on Official Form 121).
  3. Provide case-filing details: correct bankruptcy district, residence and mailing address(es), county, and the reason you are filing in that district (venue basis).
  4. Complete case questions: prior bankruptcy filings, any related pending cases (spouse/partner/affiliate), rental/eviction judgment status (and prepare Forms 101A/101B if required), and any sole proprietorship/business disclosures if applicable.
  5. Choose how the filing fee will be paid (paid in full, installments with Official Form 103A, or Chapter 7 fee waiver request with Official Form 103B) and prepare payment per local court rules.
  6. Answer the credit counseling section: indicate whether the briefing was completed within 180 days and attach the certificate (or prepare the required explanation/waiver motion if seeking a temporary waiver or exemption).
  7. Review for accuracy and consistency with the schedules and statements, then sign under penalty of perjury (both debtors if joint) and submit the petition with required companion forms (including Official Form 121 and the creditor mailing list) through the online filing service for court submission.

Common Mistakes in Completing Official Form 101

The ones the AI is built to catch.

Using a name that doesn’t match government-issued ID
People often write a nickname, omit a middle name, or use a married/maiden name that differs from their driver’s license or passport, even though Form 101 specifically says to use the name on your government-issued picture ID. This can create identity verification problems at the 341 meeting and may trigger requests for amendments or additional proof. To avoid this, copy your name exactly as it appears on your current state-issued ID (including suffixes like Jr./Sr.) and keep it consistent across all forms.
Inconsistent Debtor 1/Debtor 2 assignment across forms in a joint case
In joint filings, couples sometimes switch who is “Debtor 1” and “Debtor 2” from one form to another, especially when each spouse is filling out different sections. This causes mismatched income, assets, signatures, and SSN/ITIN reporting, which can lead to clerk rejections, trustee confusion, and amendment requirements. Pick one spouse as Debtor 1 and keep that assignment identical on every form (101, 121, schedules, SOFA, means test, declarations).
Filing or disclosing a full Social Security number in the public record
A common privacy mistake is putting the full SSN on the petition, schedules, creditor list, or attachments, or accidentally e-filing Form 121 as a public document. This can expose sensitive information and may require corrective filings and redaction motions, and it can delay case processing. Only list the last 4 digits where requested (e.g., Form 101) and submit Form 121 separately following local procedures; also redact SSNs, minors’ names, DOBs, and account numbers on pay stubs and other exhibits.
Missing the credit counseling requirement or attaching the wrong proof
Debtors frequently misunderstand the timing and think they can take credit counseling after filing, or they attach a “debt management plan” document instead of the required certificate from an approved provider. The petition warns that failure to properly certify counseling can make you ineligible and can result in dismissal and loss of the filing fee, with collections resuming. To avoid this, complete counseling with an approved agency within 180 days before filing, attach the certificate (and any payment plan if one was created), and if claiming exigent circumstances or waiver, include the required written explanation/motion.
Not filing required documents by the 7-day and 14-day deadlines
Many filers open the case with only the petition and then miss the strict follow-up deadlines listed in the court’s instructions (e.g., mailing list and credit counseling certificate within 7 days if not filed with the petition; schedules/SOFA/means test and local declarations within 14 days). The form packet repeatedly warns that missing these deadlines can lead to dismissal, which can also affect the automatic stay and require refiling fees. Use a checklist and calendar all deadlines on the filing date, and file the complete set up front whenever possible.
Submitting a creditor mailing list (matrix) that violates the court’s formatting rules
The District of Arizona’s Master Mailing List requirements are very specific (typed, black ink, ALL CAPS, straight left column, 40 characters per line, max 5 lines per creditor, one blank line between creditors, and debtor/case number in the top margin). People often submit handwritten lists, mixed case, long lines, missing blank lines, or include the debtor/attorney/trustee—any of which can cause rejection or require resubmission and can delay noticing to creditors. Follow the MML rules exactly, verify every address includes street/PO box, city, state abbreviation, and ZIP, and include the required Mailing List Declaration page.
Listing incomplete or undeliverable creditor addresses
Even when the matrix format is correct, filers often provide partial addresses (missing suite numbers, PO boxes, city/state/ZIP, or using outdated collection addresses). This leads to returned/undeliverable notices, which can create due process issues, require you to re-mail notices yourself, and can complicate dischargeability disputes if a creditor claims they didn’t receive notice. Use the most current billing statement or creditor website for the bankruptcy/notice address, include attention lines when provided (e.g., “ATTN: BANKRUPTCY DEPT”), and double-check ZIP+4 when available.
Paying the filing fee with an unacceptable method or wrong amount
The instructions state the Chapter 7 filing fee is $338 and specify payment by cashier’s check or money order only (per the local handout), but filers sometimes bring cash, personal checks, or the wrong fee amount. This can prevent the case from being opened when you expect, or force you to return with proper payment, risking missed deadlines or emergency stay needs. Confirm the exact accepted payment methods with the clerk for your division and bring the correct amount in an approved form of payment (or file Form 103A/103B if requesting installments/waiver).
Confusing “current monthly income” (means test) with Schedule I income
People often copy Schedule I numbers into Form 122A-1 (or vice versa), not realizing they measure different time periods and definitions (Schedule I is income as of filing date; Form 122A-1 is the average over the prior 6 full months). This can produce an incorrect presumption-of-abuse result, trigger trustee objections, and require amended means test forms. Avoid this by calculating Form 122A-1 from the correct 6-month lookback period and completing Schedule I based on your present expected monthly income, even if the numbers differ.
Undervaluing or double-counting assets on Schedule A/B and mismatching totals on the Summary
A frequent error is listing the same asset in multiple categories (e.g., a vehicle both as a vehicle and as “other property”), or using purchase price instead of fair market value as of the filing date, or forgetting to report only the portion you own. These mistakes cascade into incorrect totals on Form 106Sum and can affect exemptions, trustee decisions, and potential asset liquidation. List each asset only once, use realistic fair market values (and be ready to explain your source), report your ownership percentage, and then copy totals carefully into Form 106Sum.
Failing to properly claim exemptions (wrong exemption set, missing statute, or claiming “100%” incorrectly)
Debtors often check the wrong exemption system (state vs federal), omit the specific statutory citation, or claim “100% of fair market value” for an exemption that has a dollar cap without understanding the limitation. The consequence can be losing property that could have been protected, or facing trustee objections and forced amendments under time pressure. To avoid this, confirm which exemption scheme applies based on domicile rules, cite the exact statute for each item, and claim an amount that fits within the statutory limit (using “100% up to the applicable limit” only when appropriate).

Frequently Asked Questions About Official Form 101

 

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How does the AI fill out Official Form 101?
You answer a few questions in plain words, or upload a document you already have. The AI reads what you give it and puts each answer into the right field of Official Form 101, on every page, in seconds. It checks the answers against the form's own rules, and you review and change anything before you download, print or sign.
What happens to my information?
It is encrypted in transit and at rest, and it is never used to train AI.
How complex is Official Form 101 to fill out?
Official Form 101 has a Form Complexity Index of 89 out of 100, in the very complex tier: 2436 fillable fields across 67 pages. Instafill.ai's AI fills it in under a minute, with every field there for you to review before you download.
What is this packet for, and what does it mean to file a Chapter 7 case?
This packet explains the documents needed to start an individual Chapter 7 bankruptcy case in the U.S. Bankruptcy Court for the District of Arizona. A Chapter 7 case begins when you file the Voluntary Petition (Official Form 101) and is generally used to discharge eligible debts after required disclosures and trustee review.
Who needs to fill out Official Form 101 (Voluntary Petition)?
Anyone starting an individual bankruptcy case must file Official Form 101. Married couples may file together as a joint case, and the same person must be listed as Debtor 1 on all forms.
What documents are required to file the case initially (day you file)?
The court’s checklist states you need: (1) Voluntary Petition (Form 101, and Forms 101A/101B if applicable), (2) a valid state-issued ID, and (3) Statement About Your Social Security Numbers (Form 121). A case starts when the petition is filed, but missing required items can lead to dismissal if not timely corrected.
Do I have to file a full Social Security number on the petition or schedules?
No—most public filings use only the last 4 digits. Your full SSN/ITIN is provided on Official Form 121, which must be submitted separately and is not part of the public case file.
What is the filing fee, and how can I pay it in the District of Arizona?
The Chapter 7 filing fee is $338. The Arizona court notice states payment is by cashier’s check or money order only.
Can I pay the filing fee in installments or ask for a fee waiver?
Yes. On Form 101, you can indicate you will pay in installments and attach Official Form 103A, or (Chapter 7 only) request a waiver by filing Official Form 103B if you meet the income and inability-to-pay requirements.
What is the deadline for the typed mailing list of creditors (master mailing list), and what happens if I miss it?
If it is not filed with the petition, the typed mailing list of creditors must be filed within 7 days of the petition date, or the case could be dismissed. The mailing list must follow the court’s formatting rules (typed, all caps, proper spacing, complete addresses).
What are the formatting rules for the Master Mailing List (creditor matrix) in Arizona?
It must be typed (no handwriting), in black ink, in a straight left-column format using ALL CAPS, with no more than 40 characters per line and no more than 5 lines per creditor address. You must also include the debtor name and case number in the 1-inch top margin and submit the Mailing List Declaration page.
Do I include myself, my attorney, or the trustee on the mailing list?
No. The Arizona Master Mailing List requirements say not to include the debtor, joint debtor, debtor’s attorney, the U.S. Trustee, or the case trustee because the court adds that information.
What is the credit counseling requirement, and when do I file the certificate?
You generally must complete an approved credit counseling briefing within 180 days before filing and file the certificate (and any payment plan, if applicable). If the certificate was not filed with the petition, the Arizona checklist states it must be filed within 7 days, and Form 101 also warns the case can be dismissed if the requirement is not met.
What documents must be filed within 14 days after filing the petition?
If not filed with the petition, you must file the schedules (Forms 106A/B through 106J and related summary/declaration forms), the Statement of Financial Affairs (Form 107), the Statement of Intention (Form 108), the Chapter 7 Current Monthly Income/means test forms (Form 122A-1 and related forms), and required local declarations (such as evidence of employer payments within 60 days and the declaration for debtors without an attorney). Missing the 14-day deadline can result in dismissal.
What is the “Declaration of Evidence of Employers’ Payments within 60 Days,” and do I have to attach pay stubs?
This local form (Local Form 1007-2) is where you certify you are attaching pay stubs/payment advices from the 60 days before filing, or that you received none. If you attach pay documents, you must redact (black out) Social Security numbers, minors’ names, dates of birth, and financial account numbers.
I rent and my landlord has an eviction judgment—what extra form do I need?
If you rent and your landlord has obtained an eviction judgment against you, Form 101 instructs you to complete and file the Initial Statement About an Eviction Judgment Against You (Form 101A) as part of the petition. Additional steps may apply if you are trying to stay in the rental after filing.
What is the Statement of Intention (Form 108), and when is it due?
If you are filing Chapter 7 and have secured debts (like a car loan) or unexpired personal property leases, you must file Form 108 stating whether you will surrender, redeem, reaffirm, or otherwise handle the collateral/lease. It must be filed within 30 days after filing the petition or by the date set for the meeting of creditors, whichever is earlier, and you must send copies to the listed creditors/lessors.
What if I had a bankruptcy case dismissed within the last year—does the automatic stay still protect me?
If you had one case dismissed within the prior year, the automatic stay may terminate 30 days after the new filing unless you file a motion to continue it and show good faith. If you had two or more cases dismissed within the prior year, no automatic stay goes into effect unless you file a motion within 30 days and show good faith; the court notice says to caption these as an “Emergency Motion.”
Do I have to take a debtor education (financial management) course after filing, and what happens if I don’t?
Yes, individuals in Chapter 7 (and certain other chapters) must complete an approved personal financial management course, and in a joint case each debtor must take it. If the provider does not notify the court, you must file the certificate; failing to complete/file it can result in the case closing without a discharge and may require a motion to reopen and a reopening fee.
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