The first thing you should know is that you can do it yourself!
The Bankruptcy Court even has a free guide to help you through it:
Guide For Pro-Se Filers

You can even watch some movies to get you comfortable:
http://www.kywb.uscourts.gov/fpweb/bankruptcy_basics.htm
It a lot of work, perhaps, but it can be done.
Here is an outline of the step you can take:

1. Collect Your Kentucky Bankruptcy Documents and Asset and Debt information.
2. Take Credit Counseling (See List  HERE ).
3. Complete the Bankruptcy Forms, including the Ch. 7 fee waiver application Official Form 103B.
4. Print Your Bankruptcy Forms
5. After the COVID crisis is over you can go to Court to File Your Forms. Until then you must mail the documents with a money order or cashiers check. Attorneys can e-file them. Individuals must send in by mail.
6. Attend Your 341 Meeting
7. Take Pre-discharge Debtor Education and file certificate.
8. Watch for your discharge in the mail.

Not everyone who files for bankruptcy must pay a filing fee to the Court.
For a Chapter 7 case, the filing fee is $335 unless waived, and If you don’t qualify for a fee waiver, then you can ask the Bankruptcy Court to pay the filing fee in up to 4 installments.  Official Form 103A
For a Chapter 13 bankruptcy, the filing fee is $310 and can be paid in installments.

Got questions about bankruptcy? Call:
Vincent F. Heuser, Jr.
Hirsh and Heuser Attorneys
3600 Goldsmith Lane
Louisville, KY 40220
(502) 458-5879
http://www.hirshandheuser.com

In 2019 a number of businesses filed bankruptcy we’re expecting it to be way more in 2020.

Blue Cat Carriers LLC, Shepherdsville, filed Chapter 11
Debts: $1,074,725
Assets: $590,212
Major creditors: PIRS Capital

Bluegrass Pain Consultants PLLC, Louisville, filed Chapter 7
Debts: $2,610,201
Assets: $152,000
Major creditors: Dr. Chris Nelson

Insight Terminal Solutions LLC, Louisville, filed Chapter 11
Debts: $18,882,597
Assets: $14,224
Major creditor: Autumn Wind Lending LLC

M&P Collections Inc., Louisville, filed Chapter 7
Debts: $6,783,171
Assets: $10,000
Major creditors: American Founders Capital Inc.

Maple Hill Farms Inc., Campbellsburg, Ind., filed Chapter 12
Debts: $2,534,380
Assets: $2,536,085
Major creditors: Farm Credit Mid-America PCA

Marine Builders Inc., Jeffersonville, Ind., filed Chapter 11
Debts: $4,543,911
Assets: $4,684,194
Major creditors: New Washington State Bank

Merrick Co. LLC, Louisville, filed Chapter 11
Debts: $3,656,559
Assets: $824,992
Major creditors: Kentucky Department of Revenue

Millers Lane Center LLC, Louisville, filed Chapter 11
Debts: $4,197,595
Assets: $5,839,439
Major creditors: Blue Sky Inc.

Velmo USA LLC, La Grange, filed Chapter 11
Debts: $6,836,261
Assets: $1,107,272
Major creditors: Brad Law

The most common types of personal bankruptcy for individuals are Chapter 7 and Chapter 13. Chapter 7, involves the discharge of certain debts without repayment. Chapter 13, involves a plan of repayment of debts over a period of years. Whether a person qualifies for Chapter 7 or Chapter 13 is in part determined by income. Most consumer bankruptcies are Chapter 7.

Chapter 7

Chapter 7 bankruptcy allows debtors to eliminate most or all of their debts and typically take only three or four months. In a typical consumer bankruptcy, the only debts that survive a Chapter 7 are student loans, child support obligations, certain tax bills and criminal fines. Credit cards, pay day loans, personal loans, medical bills, and just about all other bills can be discharged.

Chapter 13

In contrast to Chapter 7, the debtor in Chapter 13 may keep all property, whether or not exempt, but must devote some portion of future income to repaying creditors, generally over three or five years. Relief under Chapter 13 is available only to individuals with regular income whose debts do not exceed prescribed limits.

You can watch the Court’s introductory videos here:

http://www.kywb.uscourts.gov/fpweb/bankruptcy_basics.htm

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