Debt You Can't Get Ahead Of?
Share a few numbers and we'll connect you with attorneys who handle Chapter 7 and Chapter 13 filings. There is no charge to submit your situation.
Describe your debt situation
A few quick questions, and you can stop at any point.
- No obligation to hire
- You decide whether to proceed
- Your information is used to help with the request you submitted
- No account required
Hire Best Pros is not a law firm, does not provide legal or financial advice, and does not evaluate cases. We help connect you with attorneys who handle bankruptcy matters. Any attorney-client relationship is formed directly between you and the attorney you choose.
Hire Best Pros helps consumers connect with independent professionals and service providers. We generally do not perform the underlying services. You should evaluate providers and decide which option is right for you.
Chapter 7 and Chapter 13 solve different problems
Chapter 7 discharges qualifying debt and depends on an income test. Chapter 13 reorganizes debt into a repayment plan and is often used to stop a foreclosure. Which fits depends on your income, your assets and your goal.
What to have ready
Total balances, monthly take-home income, and a rough value for your home, vehicles and savings. With those in hand the first conversation is far more useful.
Exemptions are state law
What you keep is largely set by your state's exemption rules, so general guidance you read online may not apply where you live.
What to expect before you speak with an attorney
- Tell Hire Best Pros what you need, in plain language.
- We help determine which type of professional handles it.
- The next step is either a call or a short request form.
- Nothing happens until you choose to continue.
How it works
- STEP 01
Tell us about your debt
Rough totals are fine. Nothing here is a credit check.
- STEP 02
Billy helps find the right path
Hire Best Pros identifies the relevant service and the best available way to connect.
- STEP 03
Take the next step
Depending on the service, you can call a professional, submit a short request, or continue to a provider that offers what you're looking for.
Frequently asked questions
Will I lose my house if I file bankruptcy?
Not automatically. Chapter 13 is frequently used specifically to catch up on mortgage arrears, and state exemptions protect a portion of home equity in Chapter 7. How much is protected depends on your state.
Does bankruptcy stop wage garnishment?
Filing triggers an automatic stay that halts most collection activity, including many garnishments, while the case proceeds. Some obligations such as child support are treated differently.
How long does bankruptcy stay on my credit?
A Chapter 7 typically remains on a credit report for ten years and a Chapter 13 for seven, counted from the filing date. Many people see their score begin recovering well before that.
Related services
Debt You Can't Get Ahead Of?
Share a few numbers and we'll connect you with attorneys who handle Chapter 7 and Chapter 13 filings. There is no charge to submit your situation.