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Bankruptcy can:

  • STOP Foreclosure
  • SILENCE Creditors

Is Bankruptcy Right for You?

Ask Our Sponsoring Bankruptcy Attorneys

Every year, millions of Americans struggle with debt. If you are facing large amounts of unsecured debt, being harassed by creditors and facing foreclosure on your home, talk with a bankruptcy attorney today about your legal options.

What is Bankruptcy?

Bankruptcy is a legal process designed to eliminate unsecured debt, such as:

  • Credit cards
  • Medical bills
  • Payday loans
  • Mortgage debt
  • Utility bills and more

Are you wondering if you would benefit from filing bankruptcy? Simply fill out the form on this page or call 888-632-0587. Get answers to your bankruptcy questions today.

How Can Bankruptcy Help You?

There are several debt relief options available today; however, you might want to consider the potential benefits of filing bankruptcy.

Unlike credit counseling or debt consolidation, personal bankruptcy offers the protection of the automatic stay, which is a legal order that is designed to:

  • STOP Collections
  • STOP Foreclosure
  • STOP Repossession
  • STOP Wage Garnishments and Lawsuits

Protect Against:



Wage Garnishment

Eliminate or Reduce:
Accounts Referred to Collections

Credit Card Debt

Medical Bills

Utility Bills

Payday Loans

Tax Debt

Divorce Debt

Student Loan Debt

When Does the Relief Begin? In most cases, you STOP paying bills immediately after case is filed. Collection efforts (creditor calls, foreclosure and repossession) are court-ordered to STOP Typically have to make many monthly payments, including interest and late fees Typically have to make many monthly payments, including interest and late fees
Can it Impact Your Credit?

* Discharged in bankruptcy under unique circumstances.
Talk to a bankruptcy lawyer today about your options.

Chapter 7 vs. Chapter 13

If you are considering filing for bankruptcy, you will likely have to choose between Chapter 7 or Chapter 13.

With Chapter 7 bankruptcy , you may be able to eliminate debt without having to pay anything back, which is unlike debt consolidation where you usually take out another loan to repay bills while collection efforts continue.

The other form of personal bankruptcy is Chapter 13 bankruptcy.

In Chapter 13, you typically don't have to pay late or interest fees while you repay your secured debts (mortgage payments/car loans/other debt tied to property) in smaller monthly payments over time.

In many cases, a portion or all of your unsecured debts (credit cards, medical bills and other bills not tied to property) may even be discharged if you make all your scheduled payments on time. This is generally not the case in debt consolidation where late fees and interests rate can rack up.

Which Chapter is Right For You?

In general, Chapter 7 is best for individuals with large amounts of unsecured debts. If you have a lot of credit card debt, medical bills, utility bills and personal loans, Chapter 7 may be right for you.

Most people who file bankruptcy under Chapter 13 have unsecured debt, but also debt tied to homes or property they want to keep. These filers typically have a steady income and simply need some time to get caught up with their bills.

Because every case is truly unique, it's a good idea to talk with a professional about your specific bills and situation.

We can connect you, for free, to a local bankruptcy lawyer who can help you determine which debt-relief option may be best for you.

The U.S. Bankruptcy Code

Bankruptcy laws were created so Americans wouldn't be enslaved by their debt throughout their lifetime.

Laws exist so you have a real way to resolve debt.

It's really easy to get into debt. And, once you've got debt piling up, the crazy late fees and high interest rates rev up. Before you know it, you can't keep up with the bills and the creditors start calling.

The Bankruptcy Code may be able to help you get out from under all that debt.

Talk to an attorney today about bankruptcy laws in your state.

Filing Personal Bankruptcy

  1. Before anything else, you should determine whether you are legally able to file. Most people are allowed to file Chapter 13; however, if you want to file Chapter 7 bankruptcy, you must first pass the Chapter 7 means test.
  2. Next, you then can start filing out bankruptcy forms and possibly go to court to meet the bankruptcy trustee -- or --- enter your ZIP code above to find a lawyer who can consult you, answer your questions about bankruptcy, and start the filing process for you.

Talk to a bankruptcy lawyer today and find out whether filing bankruptcy could help you.

Latest News and Information

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By an Act of Congress and the President of the United States, we are a federal Debt Relief Agency. Attorneys and/or law firms promoted through this Web site are also federally designated Debt Relief Agencies. They help people file for relief under the U.S. Bankruptcy Code. Disclosures Required Under the U.S. Bankruptcy Code.