7Reset exists because the bankruptcy system was designed by lawyers, for lawyers — and that left millions of Americans with no real path forward.
Every year, hundreds of thousands of Americans are drowning in debt they can't repay — medical bills, credit cards, personal loans that spiraled out of control during a job loss, a divorce, or a health crisis. The law gives them a clear path out: Chapter 7 bankruptcy.
The catch? Most people believe they need a lawyer to file. Bankruptcy attorneys typically charge $1,500 to $3,500. For someone who can't pay their bills, that fee is out of reach. So they stay stuck. Collectors keep calling. Wages get garnished. The stress compounds.
What most people don't know is that individuals have the full legal right to file bankruptcy on their own. About 500,000 Americans do it every year. The forms are public. The process is structured. It's paperwork — not legal strategy.
The federal bankruptcy forms exist. The instructions exist. But for someone who has never navigated a legal document — especially someone already overwhelmed and scared — the process is completely opaque. Which form goes first? What counts as an asset? What's the means test and why does it matter?
7Reset answers every one of those questions in plain English, in the right order, at the right moment. The way TurboTax changed tax filing: the tax code didn't get simpler, but the experience became something a regular person could do without a CPA. That's what we built for bankruptcy.
A guided, step-by-step wizard that walks you through every federal form, runs the means test automatically, and produces a complete court-ready filing packet — in about 20 minutes.
7Reset is designed for people with straightforward Chapter 7 situations: unsecured consumer debt (credit cards, medical bills, personal loans), no significant business assets, no recent prior filings, and income that falls within their state's means test threshold.
If your situation involves ongoing litigation, complex business debts, significant non-exempt assets, or other complicating factors, we'll tell you — and we'll recommend you speak with a licensed bankruptcy attorney before proceeding. We're not here to talk anyone into filing. We're here to make the process accessible for the people it's genuinely right for.
7Reset is a document preparation service — not a law firm. We do not provide legal advice, and no attorney-client relationship is formed by using our service. We help you complete your official federal bankruptcy forms. If you have complex legal questions specific to your situation, we encourage you to consult a licensed bankruptcy attorney in your state.