Three Ways to Get Debt Relief
File Bankruptcy by Myself
DIY bankruptcy software to file Chapter 7 or Chapter 13 on your own
File with an Attorney
Get matched with a local bankruptcy attorney for professional help
How It Works
Take the Quiz
Answer 5 quick questions about your financial situation
Get Your Results
See which debt relief option may be best for you
Choose Your Path
Select DIY bankruptcy, attorney help, or debt settlement
Take Action
Start your journey to financial freedom today
Understanding Your Options
When to Consider Bankruptcy
Bankruptcy may be appropriate if you're overwhelmed by debt with no realistic way to pay it back, facing foreclosure or repossession, or dealing with wage garnishment. Chapter 7 discharges most unsecured debts in 3-6 months, while Chapter 13 creates a 3-5 year repayment plan.
Best for: High debt-to-income ratio, collection actions, need for immediate relief
When to Consider Debt Settlement
Debt settlement involves negotiating with creditors to pay less than you owe. It can reduce your total debt by 25-50% but doesn't offer legal protection like bankruptcy. It works best for unsecured debts when you can save for lump-sum payments.
Best for: Moderate unsecured debt, want to avoid bankruptcy, can save for settlements
DIY vs. Attorney-Assisted Bankruptcy
DIY Bankruptcy is more affordable ($150-$170) and works well for straightforward cases with few assets and limited income. Our software guides you through every step.
Attorney-Assisted is recommended for complex situations like business debts, significant assets, previous bankruptcy filings, or if you're facing legal actions. Attorneys provide expert representation and handle all court proceedings.
Important Disclaimer
This website provides general educational information only and does not constitute legal advice. The quiz results are for informational purposes and should not be relied upon as professional legal or financial counsel.Every financial situation is unique, and bankruptcy and debt settlement laws vary by jurisdiction. We strongly recommend consulting with a licensed bankruptcy attorney or financial advisor before making any decisions about filing for bankruptcy or pursuing debt settlement.This service does not create an attorney-client relationship.