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Bankruptcy Laws by State

Bankruptcy laws help people who can no longer repay their debts break free from their financial stress.

Every state has its own bankruptcy laws that work with U.S. Bankruptcy Code, whether you are filing Chapter 7 or Chapter 13.

You can learn more about your debt relief options by discussing your case with a local bankruptcy attorney.

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Find the Bankruptcy Laws that Matter to You

Click on your state below to find out more about your state's bankruptcy laws.

Chapter 7 vs Chapter 13 Bankruptcy Laws

The two main types of bankruptcy, Chapter 7 and 13, work to resolve debt in different ways.

Chapter 7 bankruptcy laws outline a process called liquidation, in which some of the debtor's assets are sold by the court in exchange for total forgiveness of eligible debts. However, most Chapter 7 filers have little valuable property and are able to receive a debt discharge even if no assets are liquidated.

Chapter 7 is designed to wipe out credit cards, medical bills, payday loans and other unsecured debts. Chapter 7 filers must qualify under the means test.

Chapter 13 bankruptcy laws create a debt repayment plan for debtors with a regular source of income. This form of personal bankruptcy is typically used by those who do not qualify for Chapter 7 due to their income, or by those who have debts that cannot be discharged in Chapter 7, such as a mortgage.

A Chapter 13 case typically lasts between 3 and 5 years depending on the debtor's income and types of debt.

Talk to Local Bankruptcy Lawyers in Your State for Free

At Total Bankruptcy, we can help you find a local bankruptcy lawyer anywhere in the country. Our services have received the highest rating possible from the Better Business Bureau.

Before filing bankruptcy, make sure you understand how state bankruptcy laws may affect you.

Discover whether filing a Chapter 7 bankruptcy or Chapter 13 bankruptcy is best for you.

Receive a free case evaluation by connecting with a local bankruptcy attorney today. Simply complete the free case evaluation form on this page to take the first step to financial freedom.

Note: Bankruptcy laws may have changed since our last update. For the latest information on state bankruptcy laws, speak to one of our sponsoring bankruptcy lawyers.


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