Welcome to Bankruptcy Law by Zip Code
LegalConsumer.com has been a source of free bankruptcy information to more than 10 million consumers since 2006, and the Free Means Test Calculator - (40th ed, Nov., 1 2020 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.
The content of this website is offered free, as is, and updated as time permits. It's is up to you to contact your local court and confirm and update any information you need.
In addition to the means test calculator, this site has answers to your questions about bankruptcy:
And, wherever possible, this information is localized for your state or county, depending on your zip code (See, that's the "by zip code" part... ) A zip code is the only info you ever have to enter to access all this information in the website.
Laws and standards differ in state by state, and even county by county in the case of the means test, and this site attempts, wherever possible, to give you relevant, information and resources tailored to the state and county level. So make sure you have the right zip code in the zip code box above, for the county you're searching for.
Shortcuts (if you want to come back or tell your friends & relatives)
- "BankruptcyByZip.com" will redirect you here.
- LawByZip.com will redirect you to the LegalConsumer.com home page.
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All the info is free, and has been since 2006. Good luck in handling your financial challenges. Hope this information helps.
We have a whole section that breaks down what's involved in the process of filing for bankruptcy, with step by step articles that break down the process for you.
- How does Chapter 7 bankruptcy work in my state?
- How does Chapter 13 bankruptcy work in My Zip Code?
- Can I file bankruptcy, on my own, or with the help of a lawyer
Our means test calculator offers county-specific calculations for the entire eight pages of the current bankruptcy means test forms.
Every state has different rules about what property you can keep if you are insolvent. These laws are called "exemption" laws, and make certain property off-limits from bill collectors unless they have a lien on the property.
- What property can I keep?
- How do I claim property as exempt?
- Can I keep my retirement assets if I file for bankruptcy?
Bankruptcy happens at the Federal District Court level. Some states just have one Federal Districts, but other states have as may as 4. Once you enter your Zip Code, you'll get information about your local court, with links especially designed for people like you, researching their options without a lawyer.
The list of bankruptcy forms can be daunting. We break it down and point out the most important forms, explain what they're for, and help you understand how they fit into the larger picture of how bankruptcy works.
Oh, and you'll find where to download free federal and local court forms.
There's no shame in getting help filing for bankruptcy. But it's important to get a good one, and work with them efficiently.
A good bankruptcy attorney should be able to counsel you on how handle all your different kinds of debts and ask you important questions about your entire financial picture to make sure there are no "gotcha's" to look out for.
- How can I find a good local bankruptcy lawyer near me?,
- What should I expect from a bankruptcy attorney?
Bankruptcy and the Coronavirus Recession
In light of the economic hardship millions of Americans are facing because pandemic-related changes to our daily lives, many people wonder what bankruptcy might do for them, if it comes to that. The articles here help you sort through the issues involved in thinking about bankruptcy as part of your COVID-19 survival plan.
- Should I consider bankruptcy if I'm facing eviction?
- Can Bankruptcy help get me through the Cornavirus recession?
To get started, enter your zip code or choose your state.
Saturday, January 23rd, 2021
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