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Filing For Bankruptcy Chapter 7 & 13

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Legally get out of debt
Stop home foreclosure
Stop wage garnishment
Prevent repossession of personal property
Stop bill collector harassment
Consolidate student loans
Protect co-signers
Eliminate credit card debt

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The history of bankruptcy

Bankruptcy is a legal procedure designed to help a debtor regain their financial independence. The Bankruptcy Court had its roots during the colonial ages. Back then, debtors who failed to repay their debt were jailed.

Learn more on the history of bankruptcy.

Is Chapter 13 Bankruptcy the Right Option for Me?

A Chapter 13 bankruptcy can stop mortgage foreclosure and other repossessions. Chapter 13 bankruptcy is often a good option for people who are facing short-term financial setbacks, such as a job loss or illness.

Are you Eligible to File Chapter 7 Bankruptcy?

Chapter 7 bankruptcy can erase your unsecured debts - if you qualify. In order to file for Chapter 7 bankruptcy protection, you will need to meet certain requirements laid out by the bankruptcy courts: Means test, credit counseling and debtor education.

Thinking About Filing Bankruptcy?

Filing bankruptcy may clear debt, prevent foreclosure and stop creditor harassment. If you are suffering under the weight of debt, need your debt eliminated or need additional time to repay your bills, bankruptcy may be a good debt-relief option for you.

Find out how chapter 7 affects your life

Find out if your eligible for bankruptcy

How will Chapter 7 affect my life?

The primary effect of any bankruptcy filing will be reflected on the debtor's credit ratings. For the first three years after your case had been discharged, you will not be able to attain any new credit lines.

More effects of Chapter 7

Click here for your free evaluation

What are the required documents for Chapter 13?

Copies of all your debts
Copies of your paycheck stubs
List of assets

Read entire list of required documents for Chapter 13

Do I qualify for bankruptcy?

Click here to take your Debt Test

Please take a moment and test your debt. Our test is free, easy and quick.

How will bankruptcy help me?

Your financial well-being won't take care of itself. And while you may have sat through math class in high school, there's a good chance no one taught you how to smartly manage your finances.

The first step in taking control of your finances is getting the information you need. These easy-to-use articles can provide information on how to help you manage your money and make smart financial decisions.

David & Michelle C.

I was behind in my payments 4 months. I couldn't get anywhere with the bank. They kept telling me to "call back, it's in review". Then they would tell me they needed more documents.

John R. Habashy
License #236708

Information disclosure:

Information provided on this site is not meant to substitute legal counsel by a licensed attorney. It is also recommended to any person thinking about bankruptcy to conduct an extensive research on their own. Legal Debt Solutions and The Habashy Law Firm are not assuming any liability resulting from wrong understanding and application of the information provided. Bankruptcy is a long and extensive legal procedure. Information provided is meant to be general, not specific, as every case is different due to different independent variables.

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