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.
Select your state below
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington DC
- West Virginia
- Wisconsin
- Wyoming
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.