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Bankruptcy Law Help Center

OptimusLaw Bankruptcy Law Help Center

Bankruptcy Law Help Center is a great starting point for learning about Debt Relief and Bankruptcy Law legal issues, terminology and the legal system.  Select a State Bankruptcy Law Help Center below to find information and lawyers in your state.  Click on the Bankruptcy Law related ads on the right or below to get help for your individual situation or learn more about Bankruptcy Law.   If you need legal advice or want to hire a lawyer, contact the Bankruptcy Law lawyer of your choice to present your legal matter and/or schedule an initial consultation.

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Bankruptcy Law & Debt Relief Help Center

Bankruptcy Law and Debt Relief Lawyers represent creditors and debtors in matters or controversies involving creditors’ rights, debtors’ rights, debt relief, debt collection and bankruptcy.

Federal bankruptcy laws are designed to give debtors a financial "fresh start" from burdensome debts. Congress is authorized by the United States Constitution to enact uniform bankruptcy laws. Under this grant of authority, Congress enacted the Bankruptcy Reform Act of 1978. All bankruptcy cases filed after October 1st, 1979 are governed by this act. The current U.S. Bankruptcy Code, which is codified as title 11 of the United States Code, has been amended several times since its enactment, most recently with the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 . The U.S. Bankruptcy Code is the uniform federal law that governs all bankruptcy cases. Six basic types of bankruptcy cases are provided for under the U.S. Bankruptcy Code and are traditionally given the names of the chapters that describe them.

Chapter 7 - Liquidation.
Chapter 9 - Reorganization of Municipalities.
Chapter 11 - Business Reorganization.
Chapter 12 - Family Farming & Fishing Business Reorganization.
Chapter 13 - Adjustment of an Individual's Debts.
Chapter 15 - Insolvency Cases Involving Other Countries.

Bankruptcy Law and Debt Relief Lawyers typically charge an hourly rate for their services. Some Bankruptcy Law and Debt Relief Lawyers will quote a flat fee for a particular matter, such as filing Chapter 13 Bankruptcy. Most lawyers require an advance payment called a retainer before they will represent you. Some lawyers may allow you to make payments in certain situations.  Clients with established relationships may be billed monthly or on completion.

Common issues handled by Bankruptcy Law and Debt Relief Lawyers include:

What Is Bankruptcy? Should I File For Bankruptcy? Alternatives To Filing Bankruptcy Should I Hire A Lawyer? Bankruptcy Laws What Is The Difference Between Chapter 7 And Chapter 13? Which Chapter Of The Bankruptcy Code Is Right For You? Are You Eligible For Chapter 13? What Are The Advantages Of Filing Under Chapter 7? What Are The Advantages Of Filing Under Chapter 13? Considerations For Business Owners What Is Involuntary Bankruptcy? Where Should I File For Bankruptcy? What Are The Negative Effects Of Filing Bankruptcy? What Will It Cost To File Bankruptcy? Will I Lose My Home, Car Or Other Property If I File For Bankruptcy? Will Bankruptcy Stop Creditors From Calling? Will All Of My Debts Be Discharged In A Chapter 7 Bankruptcy? How Long Will It Take To Complete A Chapter 13 Bankruptcy? Creditors' Rights Debtors' Rights Dischargeable Debts Nondischargeable Debts Secured Debts Unsecured Debts Priority Of Claims Exemptions Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA) Credit Counseling Services Approved Credit Counseling Agencies U.S. Bankruptcy Code Chapter 7 - Liquidation Chapter 11 - Business Reorganization Chapter 12 – Family Farming Business Reorganization Chapter 13 – Adjustment of an Individual’s Debts What Are The Procedures For Filing Bankruptcy? Filing A Petition Bankruptcy Forms Automatic Stay Appointing A Trustee The Chapter 13 Plan Creditors File Proof Of Claims Meeting Of The Creditors Creditors File Objections Confirmation Hearing Accumulation And Distribution Of Funds To Creditors Discharge Hearing Trustee's Final Report Asset Attachment Bankruptcy Bankruptcy Estate Collateral Credit Credit Report Credit Reporting Agency Creditor Debt Debtor Debt Consolidation Loan Equity Exemption Foreclosure Garnishment Judgment Lawsuit Lien Liquidate Mortgage Nonexempt Property Personal Property Priority Claim Real Property Repossession Secured Claim Secured Creditor Tax Lien Trustee Unsecured Claim Unsecured Creditor Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA) Fair Credit Reporting Act (FCRA) Bankruptcy Reform Act of 1978 United States Bankruptcy Courts United States Business Bankruptcy Statistics United States Personal Bankruptcy Statistics

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Bankruptcy Law Help Center is provided for your general information.  This information is generic and may or may not apply to your particular state, local jurisdiction or your individual circumstances. It is not intended to be a source of legal advice or a substitute for qualified legal counsel.  Your access to and use of this web site is subject to additional terms and conditions found in our Terms of Use policy.  Please read it now.