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There may be resources such as online bankruptcy information that can educate one on what to expect during the procedure of filing chapter 7 bankruptcy. Essentially, any bankruptcy begins with the filing of petition or a characterization of debts. The petition can be the most complex part of the bankruptcy process, thereby requiring the assistance of a bankruptcy lawyer. Petitions may be filed under Chapter 7, which is a liquidation of assets to eliminate debt or Chapter 13, which is a reorganization and repayment plan. There are other chapters, such as Chapter 11 which deals with business reorganization and still others that deal with farms, municipalities and businesses. Researching these files and documents can assist in making a determination according to your invididual needs.