Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - Chapter 7 bankruptcy info? - I'm getting ready to file for Ch 7 bankruptcy but I don't have enough yet to pay for a lawyer & filing fees. I'll have to pay in installments so I have no idea how long it will take. I'm being harassed by debt collectors and I'm wondering if the calls will stop as soon as I acquire legal help. Or do the papers have to actually be filed first? br br My fiance is also filing Ch 7. We've been living together for about 5 years. Do we have to file separately? br br Any info would be helpful.