Bankruptcy & Debt Relief Services in the USA — Chapter 7, Chapter 13, Garnishment & Foreclosure Help

Debt is exhausting. The calls, the letters and the fear of a knock on the door wear people down. Yet millions of Americans have used the law to reset their finances and start again.

Our bankruptcy and debt relief services in the USA help you understand your options, stop collection action and prepare your case correctly. Every service has a fixed price.

Importantly, filing for bankruptcy triggers the "automatic stay". That court order generally stops most collection activity — lawsuits, garnishments and many foreclosures — as soon as the case is filed. Consequently, bankruptcy can bring immediate relief.

Chapter 7 or Chapter 13?

Chapter 7 is often called "liquidation". In practice, many filers keep all or most of their property thanks to exemptions. Most unsecured debts, such as credit cards and medical bills, can be discharged in a few months.

However, you must pass the means test. It compares your income to your state's median and looks at your expenses. Our Bankruptcy Means Test Calculation and Chapter 7 eligibility review tell you whether you qualify.

Chapter 13 is a repayment plan lasting three to five years. It suits people with regular income who want to keep a home or car and catch up on missed payments. A Chapter 13 eligibility review compares the options. Therefore, you choose the chapter that protects the most.

Preparing your petition correctly

A bankruptcy petition requires full disclosure of income, assets, debts and recent transactions. Mistakes can lead to dismissal. Worse, hiding assets can cost you your discharge.

Our Chapter 7 Bankruptcy Petition Preparation and Chapter 13 Bankruptcy Petition Preparation services prepare the petition, schedules and statement of financial affairs. Additionally, a Bankruptcy Creditor Matrix makes sure every creditor is notified.

Already prepared your paperwork? A bankruptcy document review checks it before you file. Moreover, remember that you must complete credit counseling from an approved provider before filing, and a debtor education course before discharge.

Stopping garnishment, repossession and foreclosure

If a creditor has a judgment, it may garnish your wages or levy your bank account. Federal law caps most wage garnishment, and some states protect more. A wage-garnishment consultation explains how to reduce or stop it.

If your car is at risk, a repossession consultation covers reinstatement, redemption and bankruptcy options. Similarly, if you are behind on your mortgage, a foreclosure consultation explains loan modification, forbearance and Chapter 13.

Timing matters in each case. For example, filing before a foreclosure sale can stop it, while filing afterwards usually cannot undo it. Therefore, get advice as soon as the first notice arrives.

Debt collectors and lawsuits

Debt collectors must follow the federal Fair Debt Collection Practices Act. They cannot harass you, lie or threaten action they cannot take. A creditor harassment consultation explains how to stop abusive contact.

If you have been sued, respond before the deadline. A debt-collection lawsuit review checks whether the collector can prove the debt and whether it is time-barred. Then, an Answer to a Lawsuit puts your defenses on record.

Not ready for bankruptcy? A debt-relief consultation compares settlement, consolidation and bankruptcy honestly. As a result, you choose the route that fits your situation.

For creditors

Bankruptcy affects creditors too. If a customer or borrower files, you may need to submit a claim to share in any distribution. Our Proof of Claim (for Creditors) prepares it with supporting documents.

Additionally, a bankruptcy case strategy consultation helps both debtors and creditors with complex cases — for instance, where businesses, multiple properties or disputed debts are involved.

Our Bankruptcy & Debt Relief services in the USA

Every service below has a fixed price, is prepared by a qualified attorney and is delivered online — wherever you are in the USA. Additionally, you can upload evidence, message your attorney and track progress from your secure client dashboard.

Bankruptcy & Debt Relief services near you — every state we cover

Because everything is handled online, it makes no difference where you live. Nevertheless, the law does change from state to state, so every document is prepared for your local rules. Here are some of the places our clients come from most often.

Bankruptcy & Debt Relief help in California

We prepare bankruptcy & debt relief documents for California law and local court practice. Clients come to us from Los Angeles (near the Stanley Mosk Courthouse downtown), San Diego (near the Hall of Justice on West Broadway), San Francisco (near the Civic Center courthouse on McAllister Street). For example, see Bankruptcy consultation in Los Angeles, Bankruptcy consultation in San Diego, Bankruptcy consultation in San Francisco. Similarly, see Chapter 7 consultation in California.

Bankruptcy & Debt Relief help in Texas

We prepare bankruptcy & debt relief documents for Texas law and local court practice. Clients come to us from Houston (near the Harris County Civil Courthouse), Dallas (near the George L. Allen Sr. Courts Building), San Antonio (near the Bexar County Courthouse), Austin (near the Travis County Civil and Family Courts Facility). For example, see Bankruptcy consultation in Houston, Bankruptcy consultation in Dallas, Bankruptcy consultation in San Antonio, Bankruptcy consultation in Austin. Similarly, see Chapter 7 consultation in Texas.

Bankruptcy & Debt Relief help in Florida

We prepare bankruptcy & debt relief documents for Florida law and local court practice. Clients come to us from Miami (near the Miami-Dade County Courthouse on West Flagler Street), Orlando (near the Orange County Courthouse), Tampa (near the George E. Edgecomb Courthouse). For example, see Bankruptcy consultation in Miami, Bankruptcy consultation in Orlando, Bankruptcy consultation in Tampa. Similarly, see Chapter 7 consultation in Florida.

Bankruptcy & Debt Relief help in New York

We prepare bankruptcy & debt relief documents for New York law and local court practice. Clients come to us from New York City (near the New York County Courthouse at 60 Centre Street and the immigration court at 26 Federal Plaza), Brooklyn (near the Kings County Supreme Court on Adams Street). For example, see Bankruptcy consultation in New York City, Bankruptcy consultation in Brooklyn. Similarly, see Chapter 7 consultation in New York.

Bankruptcy & Debt Relief help in Illinois

We prepare bankruptcy & debt relief documents for Illinois law and local court practice. Clients come to us from Chicago (near the Richard J. Daley Center). For example, see Bankruptcy consultation in Chicago. Similarly, see Chapter 7 consultation in Illinois.

Bankruptcy & Debt Relief help in Georgia

We prepare bankruptcy & debt relief documents for Georgia law and local court practice. Clients come to us from Atlanta (near the Fulton County Courthouse). For example, see Bankruptcy consultation in Atlanta. Similarly, see Chapter 7 consultation in Georgia.

Bankruptcy & Debt Relief help in Arizona

We prepare bankruptcy & debt relief documents for Arizona law and local court practice. Clients come to us from Phoenix (near the Maricopa County Superior Court). For example, see Bankruptcy consultation in Phoenix. Similarly, see Chapter 7 consultation in Arizona.

Bankruptcy & Debt Relief help in Pennsylvania

We prepare bankruptcy & debt relief documents for Pennsylvania law and local court practice. Clients come to us from Philadelphia (near City Hall, home of the Court of Common Pleas). For example, see Bankruptcy consultation in Philadelphia. Similarly, see Chapter 7 consultation in Pennsylvania.

Bankruptcy & Debt Relief help in Washington

We prepare bankruptcy & debt relief documents for Washington law and local court practice. Clients come to us from Seattle (near the King County Courthouse). For example, see Bankruptcy consultation in Seattle. Similarly, see Chapter 7 consultation in Washington.

Bankruptcy & Debt Relief help in Colorado

We prepare bankruptcy & debt relief documents for Colorado law and local court practice. Clients come to us from Denver (near the Denver City and County Building). For example, see Bankruptcy consultation in Denver. Similarly, see Chapter 7 consultation in Colorado.

Bankruptcy & Debt Relief help in Massachusetts

We prepare bankruptcy & debt relief documents for Massachusetts law and local court practice. Clients come to us from Boston (near the Edward W. Brooke Courthouse). For example, see Bankruptcy consultation in Boston. Similarly, see Chapter 7 consultation in Massachusetts.

Bankruptcy & Debt Relief help in Nevada

We prepare bankruptcy & debt relief documents for Nevada law and local court practice. Clients come to us from Las Vegas (near the Regional Justice Center). For example, see Bankruptcy consultation in Las Vegas. Similarly, see Chapter 7 consultation in Nevada.

Bankruptcy & Debt Relief help in New Jersey

We prepare bankruptcy & debt relief documents for New Jersey law and local court practice. Clients come to us from Newark (near the Essex County Hall of Records). For example, see Bankruptcy consultation in Newark. Similarly, see Chapter 7 consultation in New Jersey.

Bankruptcy & Debt Relief help in North Carolina

We prepare bankruptcy & debt relief documents for North Carolina law and local court practice. Clients come to us from Charlotte (near the Mecklenburg County Courthouse). For example, see Bankruptcy consultation in Charlotte. Similarly, see Chapter 7 consultation in North Carolina.

We also help clients in Alabama, Alaska, Arkansas, Connecticut, Delaware, District of Columbia, Hawaii, Idaho, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, South Dakota, Tennessee, Utah, Vermont, Virginia, West Virginia, Wisconsin, Wyoming. See every location we cover.

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This guide is general information, not legal advice for your situation. Every case is different — speak to a qualified attorney before you act.