Tap to Call - (877) 250-8242

Guide to Filing Bankruptcy - Know Your Debt Relief Options

Find Out How Bankruptcy Laws Could Work for You

More than one million Americans resolve their debt by filing for bankruptcy protection every year. It's a court-supervised process designed eliminate debt and stop collections, repossession, foreclosure, lawsuits and wage garnishments.

If you're overwhelmed by debt and considering filing for Chapter 7 or Chapter 13 bankruptcy as a source of financial relief, learn how you could achieve a fresh start.

Bankruptcy is a powerful tool, but is it right for you? Talk to a bankruptcy attorney about your options. Receive a free evaluation by a lawyer. Simply fill out the quick case review form below to get started now.

Could Filing Bankruptcy Help You?

If you're avoiding creditors, or if you've been trying to work with them but they won't budge, it's probably time to examine other options.

If you've been threatened with collections, and they've even gone as far as threatening or starting the foreclosure or repossession process, filing personal bankruptcy may stop those efforts cold.

Filing Under Chapter 7 or 13 Bankruptcy

By filing bankruptcy under Chapter 7, many people have eliminated their unsecured debt, like:

  • credit card bills
  • medical debt
  • utility bills
  • store cards
  • payday and some personal loans

Alternatively, filing Chapter 13 may also help stop foreclosure or repossession. Under Chapter 13, people repay debts through an interest-free repayment plan that usually lasts 3 to 5 years.

Keep in mind, you can regain credit after filing bankruptcy. Don't let creditors fool you. Many people have improved their credit after filing because they were able to dump that old debt and start anew.

Legal Protections Against Creditors in Bankruptcy

Bankruptcy is a legal process that was designed to forgive debts.

Get information on the bankruptcy filing process, laws and the different chapters of bankruptcy:

Bankruptcy and Foreclosure - Bankruptcy may stop foreclosure. The automatic stay is a powerful court order that can be used to stop most forms of collection.

Your Car and Bankruptcy - Can you keep your car if you file bankruptcy? Get the facts. Learn how the bankruptcy court may protect your auto from creditors.

Wage Garnishment - Wage garnishment can be difficult for a family already living on the edge. In some states, creditors may be able to access half of your paycheck. Fortunately, bankruptcy's automatic stay directly addresses garnishment.

Get the facts about what bankruptcy can do for you by speaking with a local bankruptcy attorney about your financial situation. You can arrange a free, no-obligation initial consultation today by filling out the case review form below.

Filing in the U.S. Under the Bankruptcy Code

If you live in the United States, you can file bankruptcy under the U.S. Bankruptcy Code. This code was created to give everyone a chance to resolve debts and move forward.

Filing for bankruptcy can be a big decision, but for many people it's the start to a new life.

If you need specific information about how filing bankruptcy may help you, speak with a local bankruptcy attorney today.

To connect with a sponsoring bankruptcy attorney, click below or call 877-349-1309

. Speak to a Bankruptcy Lawyer Today

By:

Speak to a Bankruptcy Lawyer Today

Tap to Call - (877) 250-8242

PAID ATTORNEY ADVERTISEMENT: THIS WEB SITE IS A GROUP ADVERTISEMENT AND THE PARTICIPATING ATTORNEYS ARE INCLUDED BECAUSE THEY PAY AN ADVERTISING FEE. It is not a lawyer referral service or prepaid legal services plan. Total Bankruptcy is not a law firm. Your request for contact will be forwarded to the local lawyer who has paid to advertise in the ZIP code you provide. Total Bankruptcy does not endorse or recommend any lawyer or law firm who participates in the network nor does it analyze a person's legal situation when determining which participating lawyers receive a person's inquiry. It does not make any representation and has not made any judgment as to the qualifications, expertise or credentials of any participating lawyer. No representation is made that the quality of the legal services to be performed is greater than the quality of legal services performed by other lawyers. The information contained herein is not legal advice. Any information you submit to Total Bankruptcy does not create an attorney-client relationship and may not be protected by attorney-client privilege. Do not use the form to submit confidential, time-sensitive, or privileged information. All photos are of models and do not depict clients. All case evaluations are performed by participating attorneys. An attorney responsible for the content of this Site is Kevin W. Chern, Esq., licensed in Illinois with offices at 25 East Washington, Suite 400, Chicago, Illinois 60602. To see the attorney in your area who is responsible for this advertisement, please click here, or call 866-200-8052.

FLORIDA ONLY: Total Bankruptcy is considered a lawyer referral service in the state of Florida under the Florida Rules of Professional Conduct. By all other standards, Total Bankruptcy is a group advertisement and not a lawyer referral service.

If you live in Mississippi, Missouri, New York or Wyoming, please click here for additional information.

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.