What is bankruptcy? What are the different types of bankruptcy? Should I file? Can bankruptcy solve all my financial problems? Will I lose a valuable asset like my home or car if I file for bankruptcy? Will filing for bankruptcy affect my credit report? Read this brochure for answers to these questions and more. Also in Spanish/Español (You must have a PDF reader on your computer to open this document. To get Adobe’s PDF Reader, click on the Get Adobe Reader icon to download.)
When can filing bankruptcy help me? What kinds of bankruptcy are there? If I file bankruptcy once, can I file again? Can I buy anything after filing bankruptcy? Read this document for answers to these and many more questions.
What can I do if I don't have enough money to pay all I owe? What can the creditor do if I cannot pay? What if my bill is turned over to a debt collector? Answers to these questions and more are in this document.
Don't Get Locked Out of Your Home By a Bankruptcy Scam Operator
Are you having trouble making your home mortgage payments? Are you facing foreclosure on your home? Get all the facts before you pay someone to help you work out your mortgage problems.
If you owe money to a person or business and cannot pay, they will try to collect. If a creditor sues you and gets a court judgment, the creditor may have the right to execute against your property. This document explains how a creditor does this and what you can do to protect your property.
If you bought something on credit or put up something you own as collateral, the creditor may have the right to repossess it. Cars are often repossessed. We use a car as an example for repossessions and answer questions about what you can do.
Save Those Papers!
In order to protect your rights, you may need to use papers others have given you. This fact sheet tells you what papers you should save.
This fact sheet explains when someone can garnish your paycheck. It also explains what you can do to stop the garnishment.
Bankruptcy Basics (Videos)
What is bankruptcy? What happens in a bankruptcy case? Bankruptcy is a legal process that provides relief for individuals who can no longer pay all of their debts. If you are considering bankruptcy, these videos will give you basic information about the process, the relief it offers, and how to find the legal help you may need. The video series includes: • Introduction • Types of Bankruptcy • Limits of Bankruptcy • Filing for Bankruptcy • Creditors' Meeting • Bankruptcy Crime • Court Hearings • The Discharge • Legal Assistance • Also in Spanish/Español