LegalConsumer.com :: Free Bankruptcy Information, Means Test Calculator, Bankruptcy Exemption Laws

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Bankruptcy Info for Your Zip Code

 

Free . . . anonymous . . . for Your Zip Code  


What, When, Where
& How to File Bankruptcy

Learn how to file bankrupcty with overview of what is involved in filing for bankruptcy. Then check out the free downloadable bankruptcy forms where you can get the forms that you'll (or your lawyer) will need to fill out if you decide to file.

The local bankruptcy court info page provides maps and information about your local federal district bankruptcy court and how to find the courts "local rules."

50 State Bankruptcy Exemption Laws

The state bankruptcy exemptions (also known as asset protection laws) show you the bankruptcy property exemption laws for your state

       

Free Means Test Calculator

 

A free bankruptcy means test calculator applies the local income and expense deduction standards for your state, county and metropolitain area to help you determine whether you pass the "means test" for Chapter 7 bankruptcy.

 

Bankruptcy Lawyers Serving Your Zip Code

Want help?

The local bankruptcy services page uses your zip code to connect you with local credit counsellors, lawyers and other service providers who can help you if need want advice or help with the filing process.

— Bankruptcy Portal —
Consumer Bankruptcy on the Internet

The topic of bankruptcy is larger than this website.
It takes the whole internet to cover all aspects of a topic like bankruptcy.
When we find good stuff, we link to it.
Law, policy, legislation, politics, discussions, news.

Bankruptcy Links - Bankruptcy News - Bankruptcy Blogs

 


 


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Note: Some of our advertisers use forms to collect email addresses and other identifying information. These forms lead directly to their server. LegalConsumer does not collect this information.

 

Want to talk to a lawyer about your bankruptcy?

Call (877) 257-9043 or fill out the form below to connect with a local bankruptcy attorney through TotalBankruptcy.com.

 


What is Total Bankruptcy?

Total Bankruptcy is sponsored by consumer bankruptcy attorneys from across the country, and provides hundreds of pages of free consumer bankruptcy information, articles, blog posts, and other resources on its website at www.TotalBankruptcy.com.  Total Bankruptcy’s President, Kevin Chern, is the former managing partner of the largest consumer bankruptcy law firm in the United States, and has personally filed thousands of consumer bankruptcy cases.

Although Total Bankruptcy provides extensive free information about Chapter 7 and Chapter 13 bankruptcy and regular updates on bankruptcy news and developments, many consumers need help understanding how the bankruptcy laws apply in their particular circumstances and making good decisions about their next steps.  A consumer bankruptcy attorney may be the best source of that information, so Total Bankruptcy makes it easy for consumers by scheduling free, no-obligation calls with local bankruptcy attorneys.

 

About LegalConsumer.com

 

Congress changed the bankruptcy laws to make it harder for people to file. I created this website to make it easier.

The "Bankruptcy Reform and Consumer Protection Act of 2005" (BAPCPA) is a bad law. Some lawyers and law professors have taken to calling it the "Bankruptcy Abuse Reform Fiasco" (BARF). It's based on false assumptions about why people get into financial trouble and imposes additional rules and paperwork on people already overwhelmed by bad luck and unpayable debt.

Despite these new obstacles, bankruptcy law still provides valuable benefits to those who need it. It helps you get on with your life. Indeed, "getting on with your life" is the whole point of bankruptcy -- to put your debts behind you and go forward with a "fresh start." This website helps you learn about the benefits of bankruptcy and how to obtain them. It lists relevant and affordable products and services that can help you file for bankruptcy with a minimum of expense and hassle.

Information is not advice. Although this website will give you a lot of information about bankruptcy law and procedure, it does not -- and cannot -- tell you, specifically, how this information applies to your exact situation. Nor can it advise you which course of action is right for you.

Also, I attempt to keep this information up to date, but you are responsible for confirming its accuracy before relying on it. This website is intended as a supplement to other materials, such as the book I co-author.

The listings of bankruptcy products and services are not endorsements. They are intended to expose you to the full range of tools and services that can help you file for bankruptcy. Think of these listings as a phone book, not a referral. It is up to you to evaluate the quality of those products or services and make your own purchasing decisions. If there are third-party reviews of products or services, I attempt to quote or link to them.

Remember to bookmark this website if you have found it helpful so far. You won't find a more comprehensive collection of bankruptcy resources and information anywhere on the Web. Make it your starting point for your bankruptcy research. And tell your friends.

Best of luck to you as you traverse your financial troubles.

 

Albin Renauer, RelationalVision, LLC
co-author of How to File For Chapter 7 Bankruptcy (Nolo)

Foreclosure Survival Guide

Keep Your House or Walk Away With Money In Your Pocket (1st ed, Sep 2008)


by Attorney Stephen R. Elias

Book $16.99 :: Download $12.99

Facing foreclosure? Know your options!

If you're having trouble making your mortgage payments or are already in jeopardy of foreclosure, The Foreclosure Survival Guide compassionately gives you the practical information you need, step by step.

An essential tool for anyone at risk of foreclosure, The Foreclosure Survival Guide provides key information about:

  • mortgages, including adjustable rate mortgages (ARMs)
  • short sales
  • deeds in lieu of foreclosure
  • judicial and non-judicial foreclosure
  • credit counseling
  • liens, and
  • using bankruptcy to deal with foreclosure.

The Foreclosure Survival Guide gathers all the information Attorney Stephen R. Elias has used to help hundreds of clients over 30 years of practicing law and shows you how to deal with foreclosure.

Like many hardworking people facing foreclosure in this rough economy, you deserve answers to your pressing questions. Thorough and easy to understand, The Foreclosure Survival Guide can help you stay in your home or walk away with money in your pocket.


How to File For Chapter 7 Bankruptcy (Nolo, 15th ed, 2008)

How to File For Bakruptcy

Find out how to:

* stop wage garnishments and attachments
* fill out and file all the forms
* cancel as much debt as possible
* deal with secured debts
* keep the maximum amount of property
* keep your home, if possible
* rebuild credit after bankruptcy


The 15th edition is completely updated and revised to reflect the latest laws and legal forms, plus the line-by-line instructions you need to fill them out. Get new information on foreclosure and exemption requirements, and read the latest court decisions. And, easy-to-use charts make looking up your state's laws a snap.

If you have more debt than you can possibly pay off, the bankruptcy system is there to help -- and with How to File for Chapter 7 Bankruptcy, you'll find the clear and user-friendly information, advice and forms you need to get through the entire process.

The book will help you determine whether you qualify for Chapter 7 -- and whether it is the best way to deal with your debts.

In Paperback and eBook (Adobe Reader)
15th edition, 560 pages, 38 forms
Pub. Date: Oct 2008 | ISBN: 9781413308976

Buy now: Nolo (publisher) :: Powell's :: Amazon

Press Reviews

"Exceptionally clear."
The New York Times
"How to File for Chapter 7 Bankruptcy advises on everything from how to file court papers to how to respond to threats from creditors.... A do-it-yourself bankruptcy book for people who can’t afford expensive lawyers."
Newsweek
"An in-depth guide to filing under Chapter 7, including state-by-state and federal exemptions as well as forms for do-it-yourself filers."
Kiplinger’s Personal Finance Magazine
"Can help you decide if bankruptcy is the right option for you."
Detroit News
"A valuable, easy-to-understand workbook."
Los Angeles Times
"Includes clear instructions on when and how to fill out all the necessary forms, which assets you may legally keep, even advice on whether your case is complicated enough to make it worth your while to hire a lawyer."
Forbes
"The best [bankruptcy books] I know are published by Nolo."
Harry S. Gross, host of
“Speaking of Your Money”
"Covers all the recent changes to the bankruptcy law, and shows you how to get through the entire process with the least damage."
Accounting Today

Customer Review

"I bit the bullet, and purchased Nolo's How to File Chapter 7 Bankruptcy. I represented myself in court and I was granted a discharge of all debts five months later."
Danielle A.,
Richmond, VA

Buy & download now @
Nolo (publisher)

 

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LegalConsumerLogoLegal Consumer - Bankruptcy Means Test
Bankruptcy Info For Your Zip Code

BANKRUPTCY COURTS: Website :: Maps to Courthouse

BANRKRUPTCY MEANS TEST CACLULATOR: Calculator :: State & Local Standards (Nolo edition of bankruptcy means test calculator)

BANKRUPTCY FORMS: Federal Forms :: Local Forms :: PDF Forms & Tools

BANKRUPTCY EXEMPTION LAWS: Homestead :: Insurance :: Pensions & IRAs :: etc.

LOCAL BANKRUPTCY LAWYERS: Google Maps, Lawyer Listings for your town.

 

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Website and calculator content by Albin Renauer, co-author of How to File For Chapter 7 Bankruptcy (Nolo 2008)
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