Bankruptcy Law

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How To File Bankruptcy - In Your State and County

While bankruptcy is federal law, many aspects, like exemptions involve state law, and —in the case of the means test — each county in your state is assigned its own housing expense standards.

We're here to help you navigate these layers of federal, state, and local rules that come into play when you file bankruptcy in your zip code.

LegalConsumer.com's "Bankruptcy By Zip Code" website has provided free, local bankruptcy information to more than 10 million consumers since 2006! Let us help you learn how bankruptcy works in your zip code. 


How to File 

Means Test

  • Free Means Test Calculator: Are you eligible for Chapter 7? This calculator will help you find out. Online since 2006. Updated with May 2023 income & expense standards. 
  • Local Standards:  State and County: Every state and county differs.
    • State Median Income: Each state has its own Median Income standard.
    • Expense Standards For your county: Housing expense standards are by county and vary widely in your state. Be sure you have selected the correct county to get an accurate result in the Bankruptcy Means Test.
  • Line by Line Help Just the bits you need when needed. 

Bankruptcy Court


State Bankruptcy Exemptions


Types of Debt

  • Secured Debts: Bankruptcy doesn't get rid of secured debts, but in some cases, it can greatly reduce them. When you file, you'll be asked what you plan to do about your secured debts. Your options are:  -
    • Surrender: Give back the property and wipe out any remaining deficiency balance in bankruptcy. 
    • Redeem: - Come up with the cash to buy the property outright at its current value.. 
    • Reaffirm: - Keep the arrangement you have, and leave this debt unaffected by your bankruptcy.
    • Common Types of Secured Debts:
  • Unsecured Debts: Most unsecured debts, like credit cards and medical debts, can be discharged in bankruptcy.
    • Credit Card Debt
    • Medical Debt
    • Personal Loans
    • Payday loans
  • Unsecured Debts that require extra steps:

Lawyers Near Me


DIY Solutions

  • UpSolve: Upsolve is a new way to file for bankruptcy well-suited to debtors with little or no property.
  • SoloSuit: If you've been sued for debt, SoloSuit can help you stave off a wage garnishment. 

Note: This website is updated as time permits. It is up to you to contact your local court and confirm and update any information you need. Information is not advice. See a bankruptcy lawyer for advice about how the law relates to your situation.




Select Your State

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