Answers to the Most Common Questions About Bankruptcy

How do I file for bankruptcy without a lawyer?

You can file for bankruptcy without a lawyer by completing the required forms and submitting them to your local bankruptcy court. This is referred to as filing "pro se," but it's essential to thoroughly understand your options before proceeding.

An AI Bankruptcy Advisor can help you understand the risks, paperwork, and whether Chapter 7 or Chapter 13 suits your situation, without the cost of a lawyer.

Curious how to handle bankruptcy without a lawyer? This guide on navigating bankruptcy with confidence shows how tech tools can simplify the process while keeping you in control.

If you want a full picture of what to expect when filing, The Complete Guide to Bankruptcy in 2025 lays it out step-by-step.

What happens to my car in Chapter 7 bankruptcy?

In Chapter 7 bankruptcy, you may be able to keep your car if it's exempt under your state’s laws and you're current on payments. Otherwise, the trustee may sell it to repay creditors.

Whether you keep your vehicle depends on factors such as equity, loan status, and state exemptions - our AI tool breaks this down based on your exact inputs.

Can I keep my house if I file for bankruptcy?

Yes, you can often keep your house if you file for bankruptcy, especially in Chapter 13 or if a homestead exemption in Chapter 7 protects it.

Maintaining your home depends on factors such as mortgage payments, equity, and exemption laws. The AI Bankruptcy Advisor provides a customized answer for your specific situation.

What are my bankruptcy options if I have no income?

If you have no income, Chapter 7 bankruptcy may be an option if you qualify based on the means test. Chapter 13 typically requires a steady income to repay debts.

Our AI tool helps determine which bankruptcy option is best suited for you when you're unemployed or facing financial hardship.

Should I file for Chapter 7 or Chapter 13 bankruptcy?

File Chapter 7 if you need fast debt relief and have limited income and assets. Choose Chapter 13 if you have regular income and want to keep valuable property while repaying some debt.

Use our AI Bankruptcy Advisor to instantly compare your eligibility, benefits, and trade-offs between Chapter 7 and Chapter 13.

Want a Smarter Way to Understand Your Bankruptcy Options?

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