LegalConsumer.com

Bankruptcy Law

How To File Bankruptcy In

Welcome!

LegalConsumer.com has provided free bankruptcy information to more than 10 million consumers since 2006, and the Free Means Test Calculator (November 1, 2022, Edition)  has helped hundreds of thousands of consumers figure out where they stand in relation to the bankruptcy means test, created by the 2005 BAPCPA bankruptcy act.

Bankruptcy Means Test Calculator for New York County

• Do I qualify for bankruptcy?

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

How to File Bankruptcy in New York

• How does Chapter 7 bankruptcy work in New York?
• How does Chapter 13 bankruptcy work in ?
• Can I  file bankruptcy, on my own, or with the help of a lawyer?
• Can I File For Free Online?

Bankruptcy Court Info for

• Where do I file for bankruptcy?
• Which bankruptcy court do I use to file my case?

Free Bankruptcy Forms & Instructions

• Where can I download free bankruptcy forms for my court?

New York Bankruptcy Exemptions

• What property can I keep if I live in New York?
• Can I keep my car if I live in New York?
• Can I keep my house if I live in New York?
• Can I keep my retirement assets?
• How do I claim property as exempt?

How Bankruptcy Handles Certain Debts

Debts You Can Discharge

• • Credit Card Debt
  • Medical Debt
  • Lawsuit Liability (if not from fraud or willful or malicious injury)
  • Personal Loans

Debts You Cannot Discharge

• • Child Support  11 U.S.C. § 523(a)(3)
  • Recent Tax Debts   11 U.S.C. § 523(a)(3)
  • Tax Debts for years you did not file a tax return   11 U.S.C. § 523(a)(1)(B)
  • debts for drunk driving   11 U.S.C. § 523(a)(9)
  • debts incurred by fraud  or false pretenses   11 U.S.C. § 523(a)(2) or (4)
  • debts you failed to list

Debts You Can Discharge Only In Special Cases

• • Student Loans (If "Undue Hardship")   11 U.S.C. § 523(a)(8) 
  • Tax Debts More than 3 Years Old for Years That You Have Filed

How Bankruptcy Treats Secured Debts

• • Mortgages, Homestead Exemption, and Foreclosure
  • Auto Loans, Redemption, Reaffirmation, Surrender & "Ride Through"

How Bankruptcy affects Co-Signers

• • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Bankruptcy Lawyers Near Me

• How can I find a good local bankruptcy lawyer near me?
• What should I expect from a bankruptcy attorney?
• Should I consider bankruptcy if I'm facing eviction?

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. Consult with a bankruptcy lawyer for advice about how the law relates to your exact situation.

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