Yes, you can file for bankruptcy online in the United States. However, certain parts still require in-person attendance due to legal or procedural requirements. Here are the key aspects that typically must be done in person:
- Meeting of Creditors (341 Meeting): The 341 meeting is mandatory and must be attended by the debtor, typically in person. This meeting allows the bankruptcy trustee and creditors to ask questions about your financial situation, assets, debts, and bankruptcy petition.
- Debtor Identification: At the 341 meeting, you’ll need to provide photo identification (like a driver’s license or passport) and proof of your Social Security number. This helps verify your identity.
- Court Hearings (if applicable): Depending on the complexity of your case, there may be additional court hearings you will need to attend. For example, if a creditor or trustee objects to your bankruptcy or if there are disputes over exemptions, a court hearing could be necessary.
- Property Surrender or Asset Liquidation (Chapter 7): If you file for Chapter 7 bankruptcy, you may need to meet with the trustee in person to hand over non-exempt assets, which will be sold to repay creditors.
- Debtor’s Signature on Documents: While many bankruptcy forms and documents can be filed online, some courts may still require your physical signature on certain documents. An attorney can usually handle this process if you’re represented, or you may need to visit the courthouse to sign specific papers.
Many courts have adopted remote options for meetings and hearings, including virtual meetings for the 341 creditor meetings and court hearings. However, it’s essential to check with your local bankruptcy court about their specific requirements, as in-person attendance may still be mandatory in some cases.