Filing Chapter 7 bankruptcy with no money is possible, but it requires meeting specific criteria and using available resources to reduce or waive fees. Key points include:

• To file Chapter 7 with no money, a debtor typically must show that their income is below 150% of the federal poverty line to qualify for a court fee waiver by submitting Form 103B, which requests the Chapter 7 filing fee to be waived based on financial hardship. The judge decides on the waiver request.
• Credit counseling and financial management courses are required by law, but fee waivers or reduced fees may also be available for these.
• One does not need to hire an attorney to file Chapter 7 bankruptcy; filing "pro se" (without an attorney) is possible, although legal advice is recommended to avoid costly mistakes.
• Free legal aid organizations, pro bono attorneys, and nonprofit tools like Upsolve offer free or low-cost assistance for bankruptcy filings.
• Organizing financial documents such as tax returns, pay stubs, bank statements, and debt information is essential to smooth filing.
• Some people pause payments on unsecured debts or use tax refunds or sales of personal items to cover any necessary filing costs if they partially qualify for assistance.

In summary, filing Chapter 7 bankruptcy with no money typically involves applying for fee waivers, using free online legal tools or nonprofit help, and filing without an attorney if needed. Careful organization and knowledge of available resources make it feasible to file without upfront payment of fees or attorney costs.