⚖️ Crisis pathway
Considering Bankruptcy
Bankruptcy is a legal tool, not a failure. Understand your options before deciding.
What to Do Right Now
Take the Means Test
The means test determines whether you qualify for Chapter 7 (debt discharge) or Chapter 13 (repayment plan).
Calculate Your Debt
Total up all debts — credit cards, medical bills, loans. Know exactly what you owe and to whom.
Understand the Impact
Chapter 7 stays on your credit 10 years, Chapter 13 for 7. But rebuilding starts immediately after discharge.
Get Free Legal Consultation
Many bankruptcy attorneys offer free initial consultations. Legal aid can also help.
Try Alternatives First
Nonprofit credit counseling, debt negotiation, and hardship programs may resolve your situation without bankruptcy.
Recommended Tools
Bankruptcy Means Test
Navigate this personal emergency with a clear action plan.
Debt Payoff Priority
Get immediate guidance for your crisis situation with state-specific resources.
Debt-to-Income
Get immediate guidance for your crisis situation with state-specific resources.
Debt Elimination War Room
Take action with step-by-step guided remediation tools.
Credit Score Impact
Navigate this personal emergency with a clear action plan.
Credit Repair Roadmap
Take action with step-by-step guided remediation tools.
Helpful Resources
Keep going
Facing more than one of these?
Crises rarely come alone. Explore other situations or browse every free tool — no sign-up, nothing stored.