Are you considering bankruptcy?

This online form is for anyone that is considering bankruptcy for debt relief. Start here to get immediate help.

Note: As part of the debt relief process, you have the option to get your case evaluated for free by an experienced attorney. Bankruptcy Help is not affiliated with or endorsed by any state or other government agency.

Easy Steps to Peace of Mind

1. Complete the form
2. Get Free Legal Advice
3. You decide if you want the attorney to handle your case

	Erase credit card bills.
	Erase medical bills.
	Stop Garnishment.
	Stop Foreclosure.
	Stop Creditor Harassment.
	Keep Your Car.
	Keep Your Home.
	Keep Your Furniture.
	Get Peace of Mind.

Below is a brief overview of the various options for bankruptcy. If you are not sure if bankruptcy is your best strategy for debt relief, just complete the form and an experienced attorney can answer your questions immediately.

Chapter 7 Bankruptcy

A chapter 7 bankruptcy case does not involve the filing of a plan of repayment as in chapter 13. Instead, the bankruptcy trustee gathers and sells the debtor's nonexempt assets and uses the proceeds of such assets to pay holders of claims (creditors) in accordance with the provisions of the Bankruptcy Code. Part of the debtor's property may be subject to liens and mortgages that pledge the property to other creditors. In addition, the Bankruptcy Code will allow the debtor to keep certain "exempt" property; but a trustee will liquidate the debtor's remaining assets. Accordingly, potential debtors should realize that the filing of a petition under chapter 7 may result in the loss of property.

Chapter 13 Bankruptcy

A chapter 13 bankruptcy is also called a wage earner's plan. It enables individuals with regular income to develop a plan to repay all or part of their debts. Under this chapter, debtors propose a repayment plan to make installments to creditors over three to five years. If the debtor's current monthly income is less than the applicable state median, the plan will be for three years unless the court approves a longer period "for cause." (1) If the debtor's current monthly income is greater than the applicable state median, the plan generally must be for five years. In no case may a plan provide for payments over a period longer than five years. 11 U.S.C. § 1322(d). During this time the law forbids creditors from starting or continuing collection efforts.

* - based on state, federal, and wildcard exemptions, your attorney may be able to help you keep your car.