More and more federal bankruptcy courts are offering debtors the means to file bankruptcy electronically without needing a lawyer or online service.
These programs are spreading each year. Ask your local court if they plan to offer such services in the future.
Some districts offer step-by-step interactive interviews, while others simply provide ways to upload PDF documents.
Electronic filing has been available to bankruptcy lawyers for over a decade. Only recently have self-represented debtors had access to these electronic filing options.