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Emergency stay (555) 010-2440 Free 60-min review
Step 1 — Free 60-min debt analysis Step 2 — Pick the right chapter Step 3 — Stop the calls in 24 hours Step 4 — File & rebuild credit
Personal Bankruptcy · Step-by-step

A clear path through what feels impossible.

Wage garnishment, foreclosure threats, hospital bills you cannot pay. Bankruptcy is a federal right, not a personal failing. We walk you through it step by step, on a flat fee, with no shame and no surprises.

Book free 60-min analysis Take the 4-min quiz
17 years filing in this district
1,400+ households filed
Flat-fee, never billable hours
Friendly attorney sitting with a client at a wooden table
⚡
Calls stop in
24 hours
Step 3 of 5
Petition prepared
The 5-step roadmap

Every client follows the same five steps — with you in the driver’s seat.

No mystery, no “trust the process.” Each step has a written checklist, a flat-fee line item, and a real human you can call.

1
Step One

Free 60-min review

We map every debt, asset, paystub, and household member — on Zoom or in person.

2
Step Two

Means test & chapter

We run the federal means test and confirm whether Chapter 7 or 13 fits your numbers.

3
Step Three

Petition & auto-stay

Filing day. Calls stop within hours, garnishments freeze, foreclosure sales pause.

4
Step Four

341 meeting

The 10-minute creditor meeting. We attend with you. Most clients are in and out in under 15.

5
Step Five

Discharge & rebuild

Court order wipes qualifying debt. We hand you a 12-month credit-rebuild playbook.

Two people reviewing paperwork with relief on their faces
What relief actually looks like

The day you file, the collection calls stop.

The federal automatic stay is the most powerful piece of consumer-protection law in the country. It is not negotiable, and it is not optional — it activates the moment your petition is filed.

⚠

Wage garnishments freeze

Within one pay cycle, employers stop withholding for unsecured creditors.

🏠

Foreclosure sales pause

Even sales scheduled for the next morning are halted by the auto-stay.

📢

Robocalls & lawsuits stop

Creditors who call after filing face contempt sanctions in federal court.

See how Chapter 7 works →
Three flat-fee paths

One transparent price. No billable hours, ever.

Every household’s situation is different, but the legal work falls into three buckets. Pick the one that fits your numbers — we’ll confirm at your free analysis.

7
Step 4A

Chapter 7

Liquidation. Wipes qualifying unsecured debt in roughly 4 months. Most clients qualify.

$1,500
Flat fee · payment plans available pre-filing
  • Full means-test analysis
  • All petition filings
  • 341 meeting attendance
  • Reaffirmation review
  • Credit rebuild playbook
Read the Ch. 7 walkthrough →
13
Step 4B

Chapter 13

3-to-5 year repayment plan. Stops foreclosure, catches up on arrears, protects assets.

$3,500
Most paid through the plan, not upfront
  • Repayment plan drafting
  • Mortgage cure calculations
  • Arrearage negotiation
  • Plan modifications included
  • Discharge motion & hearing
Read the Ch. 13 walkthrough →
A
Step 4C

Alternatives

DMP, debt settlement, hardship withdrawal, or doing nothing. Sometimes filing is the wrong move.

$0–$450
Counseling-only consult or limited-scope letter
  • Debt management plan review
  • Settlement-offer evaluation
  • Statute of limitations check
  • Judgment-proof analysis
  • Consumer rights letter
Compare alternatives →
Real households, real outcomes

People who thought they were the only one.

Bankruptcy carries a stigma that simply does not match the data. One in ten Americans has filed in their lifetime — including some you absolutely respect.

★★★★★
I went in expecting a lecture and got a checklist. Filed Chapter 7 in March; my paycheck was whole again by April. The shame I’d carried for two years just… lifted.
Maria J.
School nurse · Chapter 7 · 2024
★★★★★
The auto-sale was on a Tuesday. We filed on Monday morning at 9:14 a.m. By 11 a.m. the trustee had notified the sheriff. We kept the house and the dog and our sanity.
Devon & Sara R.
Construction crew lead · Chapter 13 · 2025
★★★★★
My credit score was 478 the day I filed. 22 months later it crossed 700. The credit-rebuild playbook is just… instructions. I followed them like a recipe.
Anthony P.
Rideshare driver · Chapter 7 · 2023
Step 5 reading · Anti-stigma

Six things people think they know about bankruptcy.

The shame industry built around debt has a financial incentive to keep you confused. Here’s the actual law.

1
Myth

You lose everything you own.

Federal exemptions protect retirement accounts, most home equity, vehicles up to set values, household goods, and tools of your trade.

2
Myth

It ruins your credit forever.

Filing stays on credit reports for 7–10 years, but most clients re-cross 700 within 24 months. Lenders read the date, not the headline.

3
Truth

It is a federal constitutional right.

Article I, Section 8 explicitly authorizes Congress to establish bankruptcy laws. It exists because debt prisons did not work.

4
Myth

Your employer will find out.

Filings are public record but no notice is sent to employers in Chapter 7. Chapter 13 wage orders go to payroll, not HR.

5
Myth

Student loans are never dischargeable.

Recent DOJ guidance has dramatically expanded undue-hardship discharge. We file the adversary proceeding when the math fits.

6
Truth

One in ten Americans has filed.

Roughly 27 million households since 1980. Your neighbor, your boss, your favorite musician — the stigma is louder than the reality.

Attorney in office
Meet your attorney

Seventeen years. One district. One filing fee.

I started in this courthouse as a debtor’s clerk in 2008, the year the housing crisis broke. I have filed in front of the same three trustees for almost two decades. Your case is not a number to me — it is the family at the kitchen table.

1,400+
Households filed
99.2%
Discharge rate
17 yrs
In this district
Read full bio →

The first step is free.
The next call is yours.

Sixty minutes, on Zoom or in person, with the attorney who would actually file your case. No sales pitch, no homework first — just a real conversation about real numbers.

Book your free 60-minute analysis
Or call our emergency stay line: (555) 010-2440 · staffed weekdays until 8 p.m.