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Bankruptcy is a legal way to get rid of most of your current debt, stop harassment from creditors, and start fresh.

It is a federal court procedure. You will file documents with the bankruptcy court and wait for their approval. Then, you will either have debts dismissed or agree to a repayment plan.

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State Debt Exemptions & Important Laws

Learn about your state's exemptions, and how to file bankruptcy.

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Pursue Debt Relief Instead of Bankruptcy

You may be able to use informal debt relief actions. These typically include negotiating with creditors or lenders and reaching a non-bankruptcy "debt workout" agreement.

You Don’t Have To Solve This on Your Own – Get a Lawyer’s Help

Meeting with a lawyer can help you understand your options and how to best protect your rights. Visit our attorney directory to find a lawyer near you who can help.

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Contact a qualified bankruptcy attorney to find out your options for navigating the best path forward.

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