Will I lose my house or car?

Usually no — state and federal exemptions protect equity in your home, car, retirement, and household goods.

How long does bankruptcy stay on my credit?

Chapter 7: 10 years. Chapter 13: 7 years. Most clients see credit scores rebound within 12–24 months.

Can I discharge student loans?

Very difficult but possible with an undue-hardship showing — recent DOJ guidance has made it easier.

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Practice area guide

Bankruptcy & Debt Relief

Chapter 7, Chapter 13, creditor negotiation, and student-loan discharge.

Who it's for: Individuals or small businesses drowning in debt, facing foreclosure, wage garnishment, or repossession.

Find my lawyer Call (888) 555-0142

What to expect

Automatic stay halts foreclosure, garnishment, and calls
Chapter 7: eliminate most unsecured debt in ~4 months
Chapter 13: keep your home and repay over 3–5 years
Free means-test screening to see which chapter fits

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