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.
Find a qualified attorney near you
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.
Select your state below
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Rhode Island
- South Carolina
- South Dakota
- Washington DC
- West Virginia
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.