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Step 3. Click Go.

 

Why a Zip Code?

LegalConsumer.com simplifies your access to the bankruptcy process by tailoring its information to your specific location.

Your zip code is used in the following ways:

The free bankruptcy means test calculator uses your zip code to apply the published, official local income and expense deduction standards for your state, county and metropolitain area.

The local bankruptcy court info page uses your zip code to provide maps and information about your local federal district bankruptcy court, including access to free bankruptcy forms.

The state bankruptcy exemptions (also known as asset protection laws) page uses your zip code to show you the bankruptcy property exemption laws for your state.

And the local bankruptcy services page uses your zip code to connect you with local service providers who can help you if you're looking for help.

Thanks for asking.

We do not ask any identifying information other than a zip code.

You will be assigned a random number that will track your means test by setting a cookie.

NOTE: You must allow cookies for the calculator to work.

Some of our advertisers use forms to collect email addresses and other identifying information. These forms lead directly to their server. LegalConsumer does not collect this information.

Hope you'll find this information useful.

 

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Want to talk to a lawyer about your bankruptcy?

Call (877) 257-9043 or fill out the form below to connect with a local bankruptcy attorney through TotalBankruptcy.com.

 

What is Total Bankruptcy?

Total Bankruptcy is sponsored by consumer bankruptcy attorneys from across the country, and provides hundreds of pages of free consumer bankruptcy information, articles, blog posts, and other resources on its website at www.TotalBankruptcy.com.  Total Bankruptcy’s President, Kevin Chern, is the former managing partner of the largest consumer bankruptcy law firm in the United States, and has personally filed thousands of consumer bankruptcy cases.

Although Total Bankruptcy provides extensive free information about Chapter 7 and Chapter 13 bankruptcy and regular updates on bankruptcy news and developments, many consumers need help understanding how the bankruptcy laws apply in their particular circumstances and making good decisions about their next steps.  A consumer bankruptcy attorney may be the best source of that information, so Total Bankruptcy makes it easy for consumers by scheduling free, no-obligation calls with local bankruptcy attorneys.

 

 

About This Website

What This Website Is

As a co-author of Nolo's How to File for Chapter 7 Bankruptcy, (now in its 14th edition) I've spent years trying to make filing for bankruptcy as easy and non-threatening as possible. In 2005, the US Congress enacted sweeping changes to the bankruptcy law to make filing for bankruptcy considerably more costly and intimidating. When this law was passed, I vowed to do something about it. This site is the result.

I believe that anyone considering bankruptcy should be able to quickly and easily learn about the full range of resources available -- free information, low-cost high-quality books, local services, forms preparation services, and bankruptcy lawyers.

I've attempted to gather and organize all this information and present it in one place.

The new bankruptcy law makes it even more important that you get accurate information before you act. The new law sticks it to debtors in several ways, primarily by making the process of filing for bankruptcy more expensive, more cumbersome, and less forgiving. There are more forms, less flexible deadlines, and more ways to screw up. In some cases, a creditor has the right to demand that the judge automatically dismiss your bankruptcy case if you miss a single filing requirement.

Even with all of these new rules, bankruptcy still offers extremely powerful legal rights if you qualify. Consequently, it's vital that you become fully informed of your legal rights and obligations when you're considering bankruptcy. I hope this site helps you get started on that.

What This Site Is Not

Understand that this is information -- and information is not advice. This site is in no way meant as a substitute for consultation with a lawyer or other debt professional who can advise you of your best plan of action given your particular facts.

Also, I 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, such as the book I co-author.

Albin Renauer, RelationalVision, LLC
co-author of How to File For Chapter 7 Bankruptcy (Nolo)

 


Website and calculator content by Albin Renauer, co-author of How to File For Chapter 7 Bankruptcy (Nolo 2007)
LegalConsumer.com website & means test calculator © 2008 RelationalVision, LLC. All rights reserved.

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