:: Free Bankruptcy Information - Means Test Calculator, Bankruptcy Exemption Laws :: Free Obamacare Information :: 50 State Healthcare Law - Living Wills, Powers of Attorney / LawByZipCode


Welcome to, a collection of websites designed to help consumers with their everyday legal affairs.

How it works: Get Local!

Throughout this site, we've tailored the information to your state, county and city.

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Bankruptcy Info for Your Zip Code

Free . . . anonymous . . . for Your Zip Code  
We never ask for any identifying information other than a zip code.

50 State Bankruptcy Exemption Laws

The state bankruptcy exemptions (also known as asset protection laws) show you the bankruptcy property exemption laws for your state


Featuring inflation adjustments for Federal exemptions, and April 2014 Michigan exemption adjustments.

Free Means Test Calculator

A free bankruptcy means test calculatorapplies the local income and expense deduction standards for your state, county and metropolitain area to help you determine whether you pass the "means test" for Chapter 7 bankruptcy.

New Means Test Income & Expense Standards nationwide effective May 1, 2014.

Bankruptcy Lawyers Serving Your Zip Code

Want help? The local bankruptcy servicespage uses your zip code to connect you with local credit counsellors, lawyers and other service providers who can help you if need want advice or help with the filing process.


What, When, Where &
How to File Bankruptcy

Learn how to file bankrupcty with overview of what is involved in filing for bankruptcy.

Bankruptcy Court Information

The local bankruptcy court infopage provides maps and information about your local federal district bankruptcy court and how to find the courts "local rules."

Free Bankruptcy Forms

check out the free downloadable bankruptcy forms where you can get the forms that you'll (or your lawyer) will need to fill out if you decide to file

Bankruptcy Links

The topic of bankruptcy is larger than this website. It takes the whole internet to cover all the aspects of a topic like bankruptcy. When we find good stuff, we link to it. Links - News - Blogs


Obamacare Info for Your State & Zip Code



or Enter your Zip

How Much Does Obamacare Cost?

Learn about how the Affordable Care Act (a.k.a. Obamacare) affects you where you live. FInd answers to all of your Obamacare qustions, in plain english.

How To Sign Up For Obamacare?

Learn how to sign up for Obamacare where you live, and how to take advantage of special programs and subsidies you may qualify for.



This website was started in 2005 by Albin Renauer (co-author of How to File For Chapter 7 Bankruptcy (Nolo)) after Congress changed the bankruptcy laws to make it harder for people to file. This website makes it easier. has helped more than a million consumers navigate the bankruptcy process by providing a free online “means test calculator,” which helps people figure whether or not they’re eligible to file for Chapter 7 bankruptcy.

The site was a one-man-show for many years. Then, in 2013, the website expanded to cover another topic critical to consumers: Obamacare. Nolo author and legal editor, Shae Irving, edited the Obamacare website has provided clear guidance to hundreds of thousands of people navigating the ins and outs of the Affordable Care Act in their state.

Early in 2014, we added another topic, also authored and edited by Shae Irving: Healthcare Law, focusing on state-specific forms and rules about Living Wills, Advance Directives and Durable Powers of Attorney for Healthcare.

We plan to add more topics later this year. Come back often and visit to see what we're up to. If you find this site useful, tell your friends.

Remember to bookmark this website if you have found it helpful so far. You won't find a more comprehensive collection of bankruptcy resources and information anywhere on the Web. Make it your starting point for your bankruptcy research. And tell your friends.

Best of luck to you as you traverse your financial troubles.
Albin Renauer, RelationalVision, LLC

Proud member of NACBA
NACBA Member

About Albin Renauer

Albin Renauer is the co-author of Nolo's bestselling book , How to File for Chapter 7 Bankruptcy. First publihshed in 1989, the book is still in print, and is now in its 18th edition (fall 2013). He originally created an online companion to his book, to provide county-by-county local information to help people file for bankruptcy, and to provide an online free means-test calculator.

Albin Renauer attended the University of Michigan Law School, was an editor of the Michigan Law Review, and received his J.D. in 1985. He worked for various public-interest law firms in the Bay Area and as a staff attorney for Chief Justice Rose Bird of the California Supreme Court. He spent 17 years as an editor and software developer at legal publisher Nolo, where he helped create numerous books and software programs, including the bestselling Quicken WillMaker. He also edited Law on the Net, in 1997, one of the very first online directories of legal resources, and was the architect of Nolo's Webby Award winning website in 1999. Albin started in 2004 to explore new ways to use relational databases to give consumers quick access to jurisdictionally relevant, plain-English, legal information.

About Shae Irving

Shae Irving , the author of the Obamacare and Healthcare Law websites, has been a legal editor and writer since 1994, when she joined Nolo, specializing in estate planning, health care, and family law issues. For almost a decade, she was the managing editor of Nolo’s bestselling Quicken WillMaker software. Her books include Living Wills and Powers of Attorney for California and Prenuptial Agreements: How to Write a Fair and Lasting Contract. Shae graduated from Berkeley Law and briefly practiced at a large San Francisco law firm before becoming an editor and author.


Information is not advice. Although this website will give you a lot of information about bankruptcy law and procedure, it does not -- and cannot -- tell you, specifically, how this information applies to your exact situation. Nor can it advise you which course of action is right for you.

Also, we attempt to keep this information up to date, but you are responsible for confirming its accuracy before relying on it. This website is intended as a supplement to other materials and resources.

The listings or advertisements of products and services are not endorsements. They are intended to expose you to a range of tools and services that can help you file for bankruptcy or handle other matters. Think of these listings as a phone book, not a referral. It is up to you to evaluate the quality of those products or services and make your own purchasing decisions.

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