Get advice from a bankruptcy
lawyer in your area about
which type of bankruptcy suits
you, what debts to include,
and when to file paperwork.

What to Expect

Bankruptcy Attorneys

If you are an individual or unincorporated sole proprietor, the law does not require that you have an attorney. But completing all the documents can be difficult. An attorney can advise you on what type of bankruptcy to file, make sure your documents are filed at the right time, and assist you in making sure you've included important debts and facts in the paperwork.

Decide which bankruptcy will best suit you

There are four main types of bankruptcies:

Chapter 7
Under this form of bankruptcy, some of your assets are protected. (see exemptions below) The rest of your property may be taken by the court and converted to cash and divided among your creditors. Your bankruptcy is then discharged and most creditors can no longer attempt to collect money from you, even if your original loan has not been paid off.

Chapter 13
If you decide to file under Chapter 13, you will work out a repayment plan which the court must approve. You will be required to pay back some or all your creditors within three years, without giving up property. Sometimes the length of time is extended to five years if the judge sees fit.

Chapter 12
is a type of bankruptcy for family farmers

Chapter 11
is a complicated bankruptcy generally used by corporations.

Filing for Chapter 7 Bankruptcy:

Obtain the court approved forms you will need to file with the United States Bankruptcy Court. You will also be charged a fee. Under some circumstances, if you cannot afford to pay the fee in full at the time of filing, you can ask the court for permission to pay in installments after the petition has been filed. Read more >>

What To Expect Once You Apply For Bankruptcy

Last year over a million and a half Americans declared bankruptcy. However, despite the freedom of a fresh financial start, many people find the thought of bankruptcy intimidating, especially if they don't know what to expect. The more informed you are about the bankruptcy process the less stress you'll feel. Read more >>



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When considering Bankruptcy you want to know that you are making the right choice. An experienced bankruptcy attorney in your area is available to assist you.


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