Frequently Asked Questions
Plain-language answers to the most common bankruptcy questions — reviewed by licensed bankruptcy attorneys.
Chapters & Eligibility
What is Chapter 7 bankruptcy?
Chapter 7 eliminates most unsecured debt in 3–6 months through a court-supervised liquidation process.
Read answerWhat is Chapter 13 bankruptcy?
Chapter 13 lets you keep assets while repaying debt over 3–5 years through a court-approved plan.
Read answerWhat is the bankruptcy means test?
The means test compares your income to your state's median to determine Chapter 7 eligibility.
Read answerWho qualifies for Chapter 7?
Eligibility depends on income, recent filing history, and completing mandatory credit counseling.
Read answerWhat is the difference between Chapter 7 and Chapter 13?
Chapter 7 is a quick discharge for low-income filers; Chapter 13 is a repayment plan that protects assets.
Read answerCan I file bankruptcy jointly with my spouse?
Spouses can file together, which can be efficient when you share most of your debts and assets.
Read answerCosts & Process
How much does it cost to file bankruptcy?
Court fees are $338 (Ch.7) or $313 (Ch.13). Easy-Case is free for simple Chapter 7 cases. Professional features cost $49, and Chapter 13 cases cost $99.
Read answerHow long does bankruptcy take?
Chapter 7 typically takes 3–6 months from filing to discharge; Chapter 13 takes 3–5 years.
Read answerDo I need a lawyer to file bankruptcy?
Pro se filing (without an attorney) is legal. Easy-Case guides you through the required forms step by step.
Read answerHow to file bankruptcy without an attorney
A step-by-step overview of the pro se filing process — from credit counseling to final discharge.
Read answerWhat is the required credit counseling course?
You must complete a credit counseling course within 180 days before filing — from a court-approved provider.
Read answerWhat is the 341 meeting of creditors?
The 341 meeting is a short trustee interview about your finances — most last under 10 minutes.
Read answerProperty & Assets
Will I lose my home if I file bankruptcy?
Homestead exemptions protect equity up to state-specific limits; Chapter 13 can help you catch up on missed payments.
Read answerWill I lose my car in bankruptcy?
Vehicle exemptions protect equity up to state limits; reaffirmation agreements let you keep a financed car.
Read answerWhat debts are discharged in bankruptcy?
Most unsecured debts are dischargeable; student loans, child support, and recent taxes generally are not.
Read answerWhat is exempt vs. non-exempt property?
Exempt property is protected from creditors; non-exempt property may be sold by the trustee in Chapter 7.
Read answerCan I keep my bank account when filing bankruptcy?
You can usually keep your bank account, but some funds may be at risk depending on the balance and exemptions.
Read answerAfter Filing
What is the automatic stay?
The automatic stay halts most collection actions — calls, lawsuits, garnishments — the moment you file.
Read answerHow does bankruptcy affect my credit score?
Bankruptcy stays on your credit report 7–10 years, but many filers begin rebuilding credit within 1–2 years.
Read answerWhat happens after I file for bankruptcy?
After filing, the automatic stay activates, a trustee reviews your case, and you attend the 341 meeting.
Read answerReady to get started?
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