Published Legal Guides
Plain-English resources written for consumers.
What Debts Cannot Be Discharged in Bankruptcy? 11 U.S.C. § 523 Analysis
While bankruptcy discharges most credit card balances, medical bills, and personal loans, Congress has explicitly designated specific obligations as non-discha…
How Bankruptcy Stops Wage Garnishment, Foreclosure and Bank Levies
When creditors obtain a civil court judgment, they can garnish up to 25% of your disposable earnings or freeze bank accounts. Filing bankruptcy is the most pow…
What Happens to Your Credit Score After Bankruptcy? Rebuilding Roadmap
While filing bankruptcy impacts your credit profile, for most debtors whose credit is already battered by maxed balances, late payments, and collection account…
Debt Settlement vs. Bankruptcy: Comparing Costs, Credit Impact & Risks
When drowning in unsecured debt, consumers often weigh private debt settlement programs against federal bankruptcy protection. While both options aim to reduce…
Chapter 7 vs. Chapter 13 Bankruptcy: Comprehensive Comparison Guide
Filing personal bankruptcy under federal law provides honest but overwhelmed debtors with a legal financial fresh start. Consumer bankruptcy is governed by Tit…