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Please look through the video tutorials and FAQs below for assistance.
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Frequently Asked Questions

  • How secure is NextChapter?

    We understand how sensitive your client data is, so we take extra measures to ensure that our security is impenetrable. Read about our security measures here.
  • Is NextChapter compatible with a Mac Computer?

    Yes! NextChapter is compatible with a Mac, PC, tablet, etc. We are a web application which you use through the browser. There is no download required. You simply signup, login, and start using the application right away.
  • Can I change or cancel my account any time?

    Great question! NextChapter is made for every type of bankruptcy lawyer. We have no minimum contracts, no set-up fees and no cancellation fees. Use NextChapter on our per-case pricing model for fewer cases per month and upgrade to our monthly plan when you begin to file more. Cancel your plan at any time but keep in mind there are no refunds for the current term.
  • Can I use NextChapter if I am a paralegal or legal assistant?

    Yes, paralegals and legal assistants can use NextChapter to prepare bankruptcies as long as they are working for an attorney and filing on their behalf. We do not allow petition preparers to use NextChapter and file for debtors without an attorney.
  • Can multiple users, such as paralegals or legal assistants, be given access to my cases?

    Yes, NextChapter offers the option to invite unlimited users to access and edit cases. If you go to “Settings” and click on “User Accounts and Invites” you can enter the email address of the user you would like to add and an invitation will be sent prompting the new user to set up an account.

  • Can I add notes into cases for myself or to communicate messages with my paralegal?

    You can! In the case dashboard there is a section where you can add comments to be saved into individual cases.

  • In the case dashboard, I see a big list of pre-set documents and tasks. Can I change these default lists to better fit my firm’s procedures?

    Absolutely! If you go to “Settings” you will find all of your firm defaults: tasks, document checklist, fee categories, and attorney fee disclosure. You can customize your settings here to apply through every case.

  • If I archive a client, where does it go and how do I get it back?

    On the home dashboard, you can click the ‘expand’ button on the Recent Cases box to see a full screen of all cases in NextChapter. If you click the box “Include Archived” this will give you the entire list, even those cases which have been archived. When you choose “un-archive” this will bring the case back to Recent Cases box on the home dashboard. In this same screen, you can filter your cases by Status and organize them by last name, status, case type, district or by the last time the case was updated.

  • What is Two-Factor Authentication and why do I have to verify my account again?

    Two-Factor Authentication is an extra layer of security that requires a unique verification code to log in. When you sign in to your account a verification code will be sent to your email. To continue signing in, copy the unique verification code and enter it on the link provided in the email. You will only be required to complete the Two-Factor Authentication when you log out and back into NextChapter. If you stay logged in or click the “Keep Me Logged In” option, you will not need to do this step every time you access the application.
  • I’m a paralegal who created an account for my firm. How do I add the attorney’s information to be used in the forms?

    The attorney you are working for will need to be added to the firm’s account. To do this, go to “Settings”, click “User Accounts” and enter the attorney’s email address. An invitation will be sent prompting the attorney to set up an account under the same firm. Once the attorney creates a user account, you will be able to select the attorney in each case. Add as many attorneys as needed and select the appropriate attorney for each case under the “Filing Information” section.

  • If I choose to switch to another software, what happens to my data?

    We will be sad to see you go but we would never hold client data hostage. You can simply ask us for your client files, give us a few days to compile the records and we will provide you with a CSV of your client information so you can make the switch as easily as possible.
  • Where do I enter my ECF Credentials?

    You can save your ECF Credentials for your primary district in your settings page under “My User Profile”. Only users who are marked as attorneys can enter ECF credentials.

    If you are filing a case that is in a district other than your primary district, you can override the ECF credentials that are saved in your settings page in the “Review and File” section.

  • Can I see a preview of the forms to make sure the information is being entered correctly?

    Of course! You can view the PDFs at any time by clicking the orange “Preview” button.
  • I do not see the Statement of Financial Affairs on my client page, how do I input that information?

    One of the best things about NextChapter is that we eliminate the need for double and triple data entry. The Statement of Financial Affairs (SOFA) will be filled out based on answers you input all throughout the app. You can view this at any time by pressing the “Preview” button. For example, when you state that a creditor was paid over $600 within 90 days, another box pops up and asks the date of payments and amount, which translates to the SOFA.

    Another example, is the legal action section of the of the SOFA. You can add a legal action on a property which will go into question 10 on the Statement of Financial Affairs by selecting "edit" on the appropriate property in Schedule D and then by selecting "Add Lawsuit" at the bottom of the edit page.

  • How do I add a co-debtor to a lien?

    When you add or edit a secured claim under Schedule D in the Case Dashboard on the left-hand side, there is an option at the bottom to "Add Co-Debtor." This same feature is in Schedule F as well.

  • How do I add a property exemption to Schedule C?

    You can add exemptions to an item through Schedule A & B. Schedule C is an analysis which will show you everything which you've already added.

  • There’s an exemption that’s specific to my court. How can I add my own exemption?

    There are two ways to add new exemptions. One option is to add the exemption while you are in a case under Schedule A or Schedule B. Just edit the asset you would like the exemption to be added to and under the “Exemption Rule” dropdown select “View All or Create New”. At the bottom of the page, select the orange “Create a New Exemption Rule” button. Here you can enter the exemption information including the limit and the law. Once you save the exemption, it will appear at the bottom of the list in the “Exemption Rule” dropdown section and you will be able to select this exemption in your other cases in the same state as well.

    The other option is to add the new exemption under your firm settings. In the “Exemption” section you can select the appropriate state which will allow you to view the standard exemptions and any firm created exemptions. You can click the orange “Create a New Exemption Rule” button and follow the same directions as above to add in a new exemption which will then be added as an exemption option for all your cases in that specific state.

  • How do I add multiple household items under the personal property section in Schedule B?

    The new forms no longer have a large box for all items. They now have one item per line. To accommodate for the format of the new forms, we’ve arranged the personal item section so that you can enter all items into each category, such as household items, all at once.

  • How do I change the number of people who can be claimed as exemptions for the calculation used in the Means Test?

    Under the “Means Test Questions” section you must first select the number of people under 65 and the number of people over 65. These are the numbers that are used in the Means Test calculations.

  • I would like to use my state exemptions instead of the federal exemptions. How can I change that?

    The exemptions can be switched to either Federal or State by clicking on “Filing Information” which is under “Client Profile” on the left-hand side of the application.

  • Can I select which pay advice is used for Schedule I?

    Yes, you can! The application defaults to using the most recent pay stub for Schedule I. If you would like to use a different pay advice, you can check the box “Use on Schedule I” on the pay advice that you would like to use to calculate the wages.

  • If the debtor received pay in the last 6 months that needs reported on the means test, but the debtor is no longer employed, how do I indicate that the debtor should have a $0.00 income on Schedule I?

    When you add the pay advices for the last 6 months, by selecting the checkbox “No Longer Employed” on the “Edit Income Source” section, the pay will be used in the means test calculations, however the debtor will show as unemployed on Schedule I.

  • I'm ready to download the final packet and file with ECF but I'm not able to click on the buttons to do so. What am I missing?

    To download the packet, you will first need to enter the debtor's full Social Security Number. NextChapter does not store the SSN, so you will need to enter this every time you would like to download the packet or file with ECF. To file with ECF, you will also need to select the court for the Meeting of Creditors Hearing. And lastly, you need to check the box acknowledging that your card will be charged.

  • Where can I change the chapter of a bankruptcy case?

    The bankruptcy chapter can be changed by going to the “Client Profile” in the Case Dashboard and under “Filing Information” you can change the filing type to either a Chapter 7 or a Chapter 13. At this time, we do not support all of the forms for Chapter 11 bankruptcy filings, however we will be adding Chapter 11 forms soon.

  • If the debtor receives the same amount each pay, is there a way I can enter one pay advice to be calculated for the means test?

    Yes, NextChapter has a feature that will calculate the monthly average based on one pay advice. After you enter a single pay advice, you can select the button "Use to calculate 6 month average" which will multiply that pay advice based on the pay frequency selected for the monthly average.

  • How can I change the order of the documents in the bankruptcy packet?

    In the "Review & File" section under the "Forms" tab there is a list of the forms that you can click-and-drag to any order which will change the order of the documents in the packet.

  • How can I remove a car payment from Schedule J for Chapter 13 cases?

    In the "Exempt Property Analysis" section you can choose to omit a monthly payment from Schedule J by checking the box for the secured item.

  • How can I use the NextChapter Means Test Qualifier for the initial client consultation?

    To do a quick means test qualifier you’ll need to know your client’s six-month average income, their home address and how many household members they have. In NextChapter, users can enter this information in two places: the client profile and income sections.

    In the debtor profile, be sure to enter in the number of people in the client’s household:

    You will also need to add the debtor’s residential address which provides the means test calculator with the state a client is residing in as part of the calculation.

    Instead of entering all the pay advices users can enter one average pay advice and select “use to calculate 6-month average.” Some attorneys will do this for the initial consultation and then later add in the remaining pay advices if needed.

    After inputting the client’s household number, address and a pay advice to be used for a 6-month average users will navigate to the means test tab and select Means Test Qualifier. From here users can get a rough idea of whether or not a prospective client will trigger a presumption abuse.

    In the above example users will see that the debtor’s residential address is used in to generate the state’s average income per household, including the number of people per household.
  • Is there a way I can see the monthly income while entering in the expenses?

    Yes! NextChapter has an income and expense calculator in the Expense section located in lower right-hand corner of the screen. The calculator is a real-time calculator that shows the income you’ve entered and updates the expenses as you add them. The bottom number is the difference between the two numbers to give you the disposable income. This is a great tool to allow you to adjust the expenses as needed.

  • How do I add a lawsuit or action to be listed on Line 9 of the SOFA?

    If the action you would like to add is not connected to any asset, you can add that action directly into the Lawsuits section of NextChapter. However, if the action is connected to an asset, such as a foreclosure or repossession, you can add the lawsuit while you’re in the claim for that asset by selecting “Add Action.” You will need to make sure the checkbox for “Add to SOFA #9 (Lawsuit)” is checked too. After adding the lawsuit, the lawsuit will automatically be included into the Lawsuit section.

  • I have a lien that is attached to multiple properties. How do I add this into NextChapter?

    If there is more than one asset attached to a lien, you can add the secured claim and in the Asset drop-down, selecting Other will provide an additional box where you can list all assets attached to the lien and another box to add in the combined value of the assets.

  • Does NextChapter allow me to download the forms without electronic signatures and can I print the signature pages only?

    Yes, when you are ready to download the full packet in the Review, Print and File section, under the Forms tab selecting the option Signature Pages Only will automatically select only the forms that contain signature lines. Then in the Print & Download tab, you can select if you would like the electronic signatures removed from the signature lines just before downloading.

  • I work for a nonprofit legal aid organization. Does NextChapter offer free bankruptcy filings for attorneys providing pro bono bankruptcy services?

    Yes we do! At NextChapter we are passionate about giving back to our community and helping those in underserved markets. We provide NextChapter products in limited amounts to attorney volunteer networks and attorneys providing pro bono bankruptcy services to support low income families in disadvantaged communities. To request a Pro Bono Filing Waiver, please send an email to with your name, email address, pro bono organization and the name of the client in which you wish to have the fees waived. Please also see our Philanthropy page to learn about NextChapter’s commitment to giving back to our community through our 1-1-1 Promise.
  • Can I upload my list of common creditors from my previous BK software?

    Absolutely! You can upload a CSV of your common creditors in your settings page under the Common Creditors section. The CSV should have each creditor listed with the address information separated in columns with the following column titles:

    • Common Creditor
    • Address 1
    • Address 2
    • City
    • State
    • Zip

  • How do I manually add common creditors?

    There are two ways you can add new creditors to your common creditor lists. One option is to add the creditor in your settings page under the “Common Creditors” section. Select “Create a New Common Creditor” and enter the creditor information.

    The second option is to save the creditor to your common creditor list while you’re working in a case. When you add a new creditor in the schedule of a case, you can select the button “Save as Common Creditor” which will add that creditor to your list.

    When you save a creditor by either method, the creditor will then become searchable when you select “Search For Common Creditor” when adding in new claims.

  • Does NextChapter provide any debtor intake forms that my firm can use?

    NextChapter provides two free options for debtor intake assistance. The first is a fillable PDF that was created with the flow of NextChapter in mind. You can print and hand these to your client for completion or you can send them the PDF to be completed and saved electronically. The second option is an online debtor intake form that asks for the basic information and documents needed to start a new case. The results from this form will be sent to you in an easy to read email. Both forms can be accessed from the Client Dashboard screen.

  • I have a specific debtor intake form that I use for my firm. Can NextChapter turn this form into an online intake form for my firm?

    NextChapter offers this service for users who sign up for our annual plan. Once you sign up for the annual plan, you will receive an email with a form to complete for a custom online questionnaire, saving you time and data entry. You can sign up for the annual plan in your settings page here.
  • Does NextChapter support the forms Chapter 11 bankruptcies?

    Currently NextChapter supports the forms necessary for individual Chapter 11 bankruptcy filings at the same price as Chapter 7 and Chapter 13. The business forms for Chapter 7, 11 and 13 are on our product roadmap to complete.
  • How can I download the full packet to review before paying?

    You can view the forms at any time while you’re in a case by clicking on the orange Preview button in the upper right-hand corner. Users who are under the per-case plan can download the full packet in the Review, Print and File section, but you must pay first. After you’ve paid for that case you can go back and make any changes or amendments and file with ECF at no additional cost. Users who are signed up under the Monthly or Annual plan can download the full draft packet by clicking on Download Draft button in the bottom left-hand corner of the Preview screen. You can sign up for the Monthly or Annual plans in your settings page here.

  • How do I add my attorney fees to the Plan Calculator?

    Attorney’s fees to be to be included in your chapter 13 plan calculations can be added in the Miscellaneous section under Attorney / Credit Counseling Fees. NextChapter will use the difference between the amount listed for Attorney’s Fees and the amount the client has paid for the Chapter plan calculation.

  • When will you have my Plan completed?

    We are working hard to roll out as many plans as we can, but because each division can have 3 or 4 different plans per division, this will take some time. We will be prioritizing the order of the plans released based on the amount of requests we receive per plan. To help us better prioritize, feel free to complete this brief survey.
  • How do I add treatment for each claim?

    All of the claims listed in Secured Claims, Unsecured Nonpriority Claims, and Unsecured Nonpriority Claims will be added into the Asset Table of the Chapter 13 Plan calculation. To add specific treatment for a claim you can click on Add Plan Treatment next the claim, add in the desired treatment and then click save. After you’ve added treatment to a claim, the link will change to read Edit Plan Treatment and the figures in the calculation table will adjust accordingly.

  • Does NextChapter offer Credit Report Integration?

    Yes, we do! Get started with the one-time setup process here.
  • How are credit reports being pulled?

    NextChapter is partnering with Universal Credit Services (UCS) as our credit report provider and offers a tri-merge report from all three credit bureaus: Experian®, Transunion® and Equifax®.
  • Who do I contact with questions about the credit reports?

    You can direct any questions regarding the credit reports to Universal Credit Services (UCS) at (800) 358-8442.
  • Why am I asked to enter my billing information twice?

    The credit card that you enter on the Credit Report Integration page is sent directly to Universal Credit Services (UCS) and will not be stored by NextChapter. UCS will charge this card for the one-time onsite inspection fee ($75.00) and for the access fee each time you pull a credit report ($16.50 for individual reports and $31.00 for joint reports). NextChapter will charge the credit card saved on the Billing page for the Creditor Integration, Report Generation & Processing Fee each time you pull a credit report ($18.50 for individual reports and $24.00 for joint reports).
  • Why do I have to have a site visit completed to be able to pull credit reports?

    An onsite physical inspection by consumer reporting agencies (“CRAs”) was mandated by the credit bureaus in 2003. This requirement was expanded in 2005 to include all clients, with few exceptions. It formalizes the Fair Credit Reporting Act (“FCRA”) requirement that CRAs make a reasonable effort to verify the identity of the end-user prior to providing the credit report.

    The site visit will take approximately 15 minutes and performed by a third party company approved by the bureaus. You must have a commercial location to perform the site visit. You will be contacted within 48 hours to schedule your inspection and it will cost a one-time fee of $75. During the visit, the inspector will be verifying:

    • Computers are password-protected and include anti-virus software
    • Locks on all doors and filing cabinets where reports could be stored
    • There is a shredder to destroy sensitive information
    • Home office is in a separate from from the living area

    Although the site visit may seem like an added layer to the onboarding process, it is a practical and necessary layer of security for consumer data. We will activate your NextChapter credit report integration just 24-hours after a completed site visit.
  • Where is the creditor information added in NextChapter’s bankruptcy program?

    NextChapter imports the creditors from the credit report directly into Schedule F. You can transfer any claims to Schedule D by clicking “Move to D” next to the claim in the Unsecured Nonpriority Claims section.

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