Find Top Rated Personal Bankruptcy Lawyers for your case

Personal bankruptcy provides a federal process to wipe out or restructure debt while protecting essential assets. Chapters 7 and 13 are the most common consumer options.

1. Chapter 7 liquidation with exemptions for necessities
2. Chapter 13 repayment plans tailored to income
3. Automatic stay protection from lawsuits and collections

• Credit cards, medical bills, or personal loans you cannot repay
• Aggressive collection calls, lawsuits, or wage garnishment
• Need to save a home, car, or other critical property
• Desire to stop interest accrual and regain financial stability

• Evaluate your finances and eligibility
• Prepare petitions, schedules, and means-test forms
• Represent you at the 341 meeting and hearings
• Negotiate reaffirmation agreements or plan terms

Consider professional advice if minimum payments feel impossible, creditors threaten legal action, or you are borrowing from retirement funds to survive.

LexPair connects you with vetted bankruptcy counsel who explain chapter options, handle paperwork, and communicate with trustees and creditors on your behalf.

• Flat or staged attorney fees based on chapter and complexity
• Court filing fees and mandatory credit counseling courses
• Possible extra costs for adversary proceedings or amendments