Consumer Bankruptcy

Personal Bankruptcy is a proceeding in which a court administers the estate (the property and other assets) of a debtor for the benefit of creditors.

A debtor is a person or business who owes money to others. A debtor may choose to file a bankruptcy proceeding, and use a bankruptcy attorney or lawyer to resolve a hopeless financial situation, or to put off the collection of debts for a period of time to allow for financial reorganization.

Consumers or businesses may file for bankruptcy. In some cases, a creditor, a person or business that is owed money, may force the filing of a personal bankruptcy proceeding, although these "involuntary" personal bankruptcy proceedings are very rare. Please read on to find a bankruptcy attorney, bankruptcy lawyer, or to learn more about personal bankruptcy.

Note that personal bankruptcy has lasting effects on your financial history for years after you file. You may be turned down for loans, get loans at higher interest rates and more. Bankruptcy should be a last resort to resolve your financial issues.

Find a Bankruptcy attorney in your area.

Consumer Bankruptcy Articles
State Specific Resources
- Bankruptcy Law in Your State
- U.S. Bankruptcy Courts
- Public Access to Court Electronic Records (PACER)
 
Articles
- Bankruptcy Basics
- Chapter 7 Bankruptcy
- Chapter 13 Bankruptcy
- Chapter 13 As A Tax Tool
- Changes in Bankruptcy Law
- Factors to Consider Before Filing Bankruptcy
- Choosing Chapter 7 or 13
- Filing Individually or Jointly
- Timing Considerations Prior to Filing
- Bankruptcy Filing Fees
- Means Testing and Counseling
- Section 341 Meeting
- Bankruptcy Trustee Duties
- Duration of the Automatic Stay
- Contempt & the Automatic Stay
- Creditors & the Automatic Stay
- Relief from Automatic Bankruptcy Stays
- Security Interests
- Dealing With Debt
- Dischargeable Debts
- Non-Dischargeable Debts
- Reorganization of Debts for an Individual
- Fraudulent Transfers
- Preferential Transfers
- Voidable Transfers and Liens
- Reopening a Bankruptcy Case
- Tax Consequences of Bankruptcy
 - Exempt Property
- Voluntary Repayments
- Bankruptcy During Divorce
- Bankruptcy After Divorce
- Domestic Support Obligations and Bankruptcy
- Student Loans in Bankruptcy
- Renegotiating Student Loan
- Credit Card Lending
- Debt Counseling Tips
- Bankrutpcy and Credit
- Credit After Bankruptcy
- Credit Counseling Scams
- Chapter 7 & Credit Cards
- Credit Repair
- Avoiding Credit Repair Scams
- Free Credit Reports
- Errors on Credit Reports
- Garnishments
- Judgment Proof
- Bank Account Seizure
- Vehicle Repossession
- Mortgage Foreclosure
- Selling For Less Than Mortgage Due
- Fair Credit Reporting Act
- Fair Debt Collection Practices Act
- Fair Credit Billing Act
- Servicemembers Civil Relief Act
 
Consumer Bankruptcy FAQs
- Bankruptcy FAQ
- Fair Debt Collection FAQ
 - Federal Credit Laws FAQ
- Mortgage Foreclosure FAQ
 
Consumer Bankruptcy Forms and Videos
Forms
- Response to Payment Request
- Request to Cancel Credit Card
- Credit - Challenge to a Denial of Credit
 - Credit - Request Positive Report
- Credit Report Challenge
- Credit Report Request
 
Videos
- Debt Solvency and Bankruptcy Video
- Can I see my credit report?
- What's on my credit report?
 
Lawyers.comSM Virtual Community
Message Boards
- Bankruptcy/Debtor & Creditor
- Credit & Collection Problems
 - CA Debt & Bankruptcy
- FL Debt & Bankruptcy
- NY Debt & Bankruptcy
- TX Debt & Bankruptcy
Chats
- Chat Listing
Join Michael Siegel for the Bankruptcy, Debt & Credit chats held on select Tuesdays at 10 PM ET

Hiring a Bankruptcy Lawyer
- Selecting A Bankruptcy Lawyer
- Preparing To Meet With A Bankruptcy Lawyer
- Meeting With A Bankruptcy Lawyer
 
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