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Everyone deserves a second chance. Fortunately, U.S. law allows people to start over by eliminating or reducing their debts. If you are overloaded with debt and harassed by creditors, find out what your options are from a bankruptcy attorney. The attorney can give you straight answers to your bankruptcy questions and help you relieve the burden of debt.

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Common questions

What is a chapter 7 bankruptcy?
Chapter 7 is one type of bankruptcy procedure designed to eliminate most debt. These procedures are called "chapter 7 bankruptcies" because they are outlined in chapter 7 of the Bankruptcy Code. Chapter 7 bankruptcies are also called "fresh start" or "liquidation" bankruptcies. In general, you will not be able to file under chapter 7 if your monthly disposable income is too high. Instead, you will need to file under chapter 13.
What is a chapter 13 bankruptcy?
Chapter 13 (sometimes called a "wage-earner plan") allows an individual to pay his or her debts over an extended period using a court-approved, supervised, and enforced payment plan. In many cases, some creditors may be paid in full and some amounts may be discharged).
What happens to my assets during a bankruptcy?
It's a common belief that you will lose everything if you file for bankruptcy, but that is not necessarily the case. How much you can keep depends on the type of bankruptcy you file, the value of your property, the amount of your debts, and the state in which you live.
How can filing for bankruptcy help with creditors?
After you have prepared and filed your bankruptcy paperwork, the court clerk will notify all of your creditors of your bankruptcy filing and inform them that they may no longer contact you. If your creditors continue to pursue you after receiving notice of your bankruptcy, they may be subject to sanctions by the bankruptcy court.

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Bankruptcy — Get Help Filing Bankruptcy Online with LegalZoom

If you are faced with the question, "Should I file bankruptcy?" it's time to get help from a skilled bankruptcy lawyer. A bankruptcy lawyer can answer your bankruptcy questions and tell you the difference between chapter 7 bankruptcy and chapter 13 bankruptcy. It's important to understand the different types of bankruptcy when analyzing whether bankruptcy is right for you, as well as the short-term and long-term considerations of a bankruptcy filing. LegalZoom can put you in touch with a bankruptcy lawyer who can help you understand the bankruptcy process. Our simple three-step process begins by completing an online questionnaire. You'll receive your free bankruptcy evaluation from a participating law firm. If you decide to proceed, a bankruptcy attorney will explain your options and help you choose the best solution based on your specific situation. Filing bankruptcy helps with creditors by stopping harassing phone calls and is the first step toward relieving the burden of debt. Everyone deserves a second chance. Take the first step toward a financial fresh start with the help of a bankruptcy attorney through LegalZoom.  

PAID ATTORNEY ADVERTISEMENT: This portion of the LegalZoom website is a paid advertisement. It is not a lawyer referral service or prepaid legal services plan. The sole basis for the inclusion of this advertisement is the payment of a fee for certain advertising rights. LegalZoom does not endorse or recommend any lawyer or law firm who advertises on our site. We do not make any representation and have not made any judgment as to the qualifications, expertise or credentials of any participating lawyer. The information contained on this site is not legal advice. Any information you submit through this site may not be protected by attorney-client privilege and may be provided to attorneys for the purpose of determining your need for legal services. All case evaluations are performed by a participating attorney.

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 Participating law firms and attorneys help people file for relief under the U.S. Bankruptcy Code. They are federally-designated Debt Relief Agencies. This advertisement and all attorney services may be subject to additional terms and conditions and disclosures required under the U.S. Bankruptcy Code, which are available on the specific website(s) of each participating attorney or law firm. Please visit the website of the participating attorney in your area for more details. Any arrangement made by you and your attorney is strictly between you and them.

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