This is a very common question we receive.  The answer is fairly simple: instead of paying on your debts you use that money to pay for filing your petition. However, before you stop paying your debts you need to schedule a free confidential consultation with a Toledo bankruptcy lawyer to determine which debts if makes sense to stop paying and when to do so.  It’s extremely important to time the filing of the petition correctly otherwise you risk losing the discharge.  Please contact our office today to schedule an appointment.