Bankruptcy
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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Facing Debt? Start With the Right Information.
Learn about the different bankruptcy chapters and what to expect before making your decision.
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.