Bankruptcy Help, Tools, and State Guides
Learn how bankruptcy works, use free educational tools, and find state-specific bankruptcy information before making important decisions.
Start With the Issue That Sounds Closest to Your Situation
Bankruptcy can feel confusing because the answer often depends on more than one thing: your income, your property, your debts, your goals, and the law in your state. US Bankruptcy Help is built to help you sort through those questions with plain-English guides, state-specific information, and free educational tools.
You do not have to know whether chapter 7 or chapter 13 applies before you start. Choose the topic, tool, or state guide that sounds closest to your situation.
Compare Chapter 7 and Chapter 13
Learn the biggest differences between chapter 7 and chapter 13, including eligibility, repayment, and property protection issues.
Compare ChaptersExplore Free Bankruptcy Tools
Use calculators, estimators, and checkers to review chapter eligibility, payment ranges, exemption protection, and student loan issues.
Explore ToolsFind Bankruptcy Information by State
Review state-specific bankruptcy exemptions, income guidelines, and local bankruptcy information that may apply where you live.
Choose Your StateFree educational tools. No contact information required to use the calculators. Not legal advice.
About US Bankruptcy Help and Our Team
US Bankruptcy Help is an educational bankruptcy resource. Our content is written, curated, and reviewed by bankruptcy lawyers and legal professionals with practical experience in chapter 7, chapter 13, exemptions, debt collection issues, and bankruptcy planning questions.
That real-world perspective helps us explain bankruptcy in plain English so people can understand options and prepare better questions before making important decisions.
Review our team, editorial standards, and funding disclosure.
Not Sure Where to Start?
You do not have to know which chapter applies before you start. Choose the issue that sounds closest to your situation.
Compare Chapter 7 and Chapter 13
Use a guided comparison tool to review the biggest differences between chapter 7 and chapter 13 and see which issues may matter most in your situation.
Open the Decision ToolCheck Chapter 7 Income Eligibility
Estimate whether household income may affect chapter 7 eligibility based on your state and household size.
Use the Means Test CalculatorReview Property Protection Risk
Estimate how bankruptcy exemption rules may affect whether important property could be protected.
Try the Risk EstimatorThese results are educational only and are not legal advice.
Free Bankruptcy Tools
Use our calculators and estimators to review common bankruptcy questions. These tools are educational only and are not legal advice.
Eligibility and Chapter Choice
Tools to compare chapter options and estimate how income may affect chapter 7 eligibility.
Chapter 7 Means Test Calculator
Estimate whether your income may affect chapter 7 eligibility based on your state, household size, and financial details.
Use the ToolChapter 7 vs Chapter 13 Decision Tool
Compare the two most common bankruptcy chapters and get educational guidance on which path may fit your situation better.
Open the Decision ToolChapter 13 Plan Payment Estimator
Estimate a possible chapter 13 payment range using your income, debts, and other common repayment factors.
Try the EstimatorProperty and Exemptions
Tools focused on exemption risk, home equity, and vehicle equity questions.
Bankruptcy Exemption Risk Estimator
Review whether property may be protected in bankruptcy by estimating exemption coverage and potential exposure.
Try the EstimatorHomestead Exemption Estimator
Estimate whether your home equity may be protected under homestead exemption rules in your state.
Try the EstimatorVehicle Exemption Estimator
Estimate whether your vehicle equity may be protected by bankruptcy exemption rules where you live.
Try the EstimatorSpecial Debt Issues
Tools that focus on student loan discharge and similar debt-specific questions.
Student Loan Discharge Checker
Review factors that may affect whether your student loans could potentially be discharged in bankruptcy.
Open the CheckerExplore Bankruptcy Topics
Bankruptcy Basics
Start with foundational guides on chapters, core concepts, and planning basics.
Debt and Collection Problems
Practical guides for collection pressure, lawsuits, foreclosure, and repossession.
Property and Exemptions
Learn what exemption rules can mean for homes, vehicles, and other property.
Special Debt Issues
Focused guidance for student loans and other debt questions in bankruptcy.
Find Bankruptcy Information by State
Bankruptcy exemptions, median income guidelines, local court information, and state-specific rules can vary by state. Choose your state to review bankruptcy information that may apply where you live.
Choose Your StateWhy Trust US Bankruptcy Help?
- • Plain-English bankruptcy education and practical guidance.
- • Free calculators and estimators for common bankruptcy questions.
- • State-specific bankruptcy guides and reference resources.
- • Transparent editorial standards and funding disclosure.
- • Educational publisher, not a law firm, and not legal advice.
Popular Bankruptcy Guides
Not Sure Where to Go Next?
Start with a free tool, choose your state, or compare chapter 7 and chapter 13.
- Use Free Bankruptcy Tools
- Find Bankruptcy Info by State
- Compare Chapter 7 and Chapter 13
- Learn About Our Team
US Bankruptcy Help is an educational publisher, not a law firm, and does not provide legal advice.
Explore Bankruptcy Help by State
Browse our state guides to learn exemptions, means test rules, costs, and local procedures. Use these links to jump between states and compare your options.
- Arizona
- California
- Colorado
- Florida
- Georgia
- Illinois
- Indiana
- Maryland
- Michigan
- New York
- Ohio
- Oregon
- Pennsylvania
- Tennessee
- Texas
- Virginia
- Wisconsin