How Bankruptcy Works in Your State

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Learn how bankruptcy works where you live! Learn how to file bankruptcy in your local federal district bankruptcy court, how to complete the Bankruptcy Means Test for your county, and how to use your State Bankruptcy Exemption Laws to protect your property if you file. And connect with local bankruptcy attorneys who can help.
Keywords: bankruptcy, Chapter 7 bankruptcy, Chapter 13 bankruptcy, state bankruptcy exemptions, filing bankruptcy, how to file bankruptcy, filing bankruptcy, bankruptcy forms, bankruptcy court, bankruptcy lawyers, bankrupcty, bankruptcy means test, banrkuptcy, ban

- Bankruptcy Basics - (Basics)

- How To File Bankruptcy - (How to File)

  • How to File for Chapter 7 or Chapter 13 Bankruptcy, Step-By-Step

    Steps for filing bankruptcy in your state, from learning whether you qualify, to completing and filing bankruptcy forms, to discharging your debts and getting on with your life.

  • How Much Does It Cost to File for Bankruptcy?

    Tips for keeping bankruptcy costs down, from court filing fees to mandatory counseling costs to getting legal help.

  • Where to File for Bankruptcy

    Most people file for bankruptcy in the federal district court closest to where they've lived for the past six months.

  • Working With the Bankruptcy Trustee

    Filing for Chapter 7 bankruptcy means that you'll be dealing with a "bankruptcy trustee" who will be assigned to handle your case. The trustee's job is to gather all non-exempt property you own into the "bankruptcy estate" to determine what (if anything) can be sold and the proceeds distributed to your unsecured creditors. In most cases, there's nothing left — "no-asset" cases make up more than 90% of consumer chapter 7 cases — but the trustee will be looking.

  • Getting help from your local court to file bankruptcy without an attorney

    You may be surprised to learn that every federal bankruptcy court has a special section just for people filing bankruptcy without an attorney. Learn how to use this information if you are thinking about filing for bankruptcy.

  • Do I need a lawyer to file for bankruptcy?

    The law does not require to have a lawyer, and if your case is simple and you have few assets, you can successfully file a Chapter 7 bankruptcy yourself. Chapter 13? Not so much. And if you have property to lose, or you're not great with details, getting a lawyers help can be a good idea, no matter what kind of bankruptcy you're filing. Also a lawyer may find ways to help that you haven't' thought of

  • Where do I file for bankruptcy?

    Bankruptcy is federal law and you file in the local Federal District Bankruptcy Court. Find out yours.

  • Do I have to get credit counseling before I file for bankruptcy?

    Yes. You must complete a credit counseling course before you file your bankruptcy petition. Fortunately, it's easy and can be done online. And your case cannot be completed (i.e. you can't get your "discharge order" from the judge until you take a "Debtor Education" course.

  • What is a 341 hearing (creditors meeting)?

    Everyone who files for bankruptcy must attend a 341 hearing, which is also called a "creditors meeting." The meeting is conducted by the bankruptcy trustee assigned to your case. During the Coronavirus, it. can be done by phone.

- New York Southern District Bankruptcy Court Info - (Courts)

- Bankruptcy Forms - (Forms)

- Means Test Calculator
Income & Expenses - (Income)

- Debts & Dischargeability - (Debts)

- Property, Exemptions & Liens - (Property)

- Bankruptcy Lawyers & Other Help - (Lawyers)

- Bankruptcy News - (News)


Welcome to Bankruptcy Law by Zip Code

Welcome!'s "BankruptcyByZIpCode" website has provided free, local bankruptcy information to more than 10 million consumers since 2006! Find important, local legal information about questions like:

The Free Means Test Calculator (2022 Edition)  has been used for over 15 years by  hundreds of thousands of anonymous consumers curious about where they stand in relation to the bankruptcy means test, created by the 2005 BAPCPA bankruptcy act.

In addition to the means test calculator, this site has answers to your questions  about bankruptcy:

How to File Bankruptcy in Your State

Bankruptcy Means Test Calculator

State Bankruptcy Exemptions

Bankruptcy Court Info for

Free Bankruptcy Forms & Instructions

Bankruptcy Lawyers Near Me

Note: This website is updated as time permits. It's 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 exact situation.

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