Past-due bills and collection calls are piling up. Chapter Fresh and a bankruptcy lawyer who serves your area may call about which chapter fits.
You send five fields. A bankruptcy lawyer who serves your area may call about which chapter fits. Hiring anyone is still your decision.
Your name, phone, email, state, and city go to one or more bankruptcy lawyers that serve your area. They do not go to the court.
Expect a rough debt list, about six months of income, and whether a foreclosure or garnishment is already set. The call does not file a case.
If the chapter fits, you can hire that lawyer. If it does not, you can tell them to stop. Court staff still cannot give legal advice.
Chapter Fresh runs this guide. Write to tabular_spout_3y@icloud.com. No bankruptcy attorney is named here, because none has signed these pages.
Email tabular_spout_3y@icloud.com.
The pages follow U.S. Courts and U.S. Trustee pages on Chapter 7, Chapter 13, the stay, and counseling. Chapter Fresh is not a court and not a law firm. The form does not file a case, and it does not promise a discharge.
You send your name, phone, email, state, and city. Chapter Fresh and bankruptcy lawyers near you may call and text. You can tell them no. The call does not hire anyone.
Checked against U.S. Courts
Every bankruptcy rule and dollar figure on this page links to the U.S. Courts or Justice Department page it came from.
Five fields, then a call
Name, phone, email, state, and city. The form never asks for a Social Security number or a debt list.
Filing a petition usually stops most collection calls, lawsuits, and wage garnishments. Some actions are left out, and a repeat filing can shorten the stay.
The automatic stay is what stops most of that collection on the day the petition is filed. It is not a discharge, and it does not erase the debt by itself.
Chapter 7 is a liquidation case, and most individual cases have nothing to sell. Chapter 13 is a three-to-five-year plan. Counseling from an approved agency is required within 180 days before you file.
Both chapters can discharge some debts. They treat property, income, and time in the case differently.
You can send the form without either of these. Current monthly income is measured from the last six months.
No. This is an independent guide. The person who calls you is a private lawyer, not the court. Court staff cannot give legal advice.
Sending the form does not hire anyone. A lawyer's fee for a case is a separate agreement you would make later, if you hire them.
No one can promise that. The court decides the chapter, the stay, and any discharge.
A partner bankruptcy lawyer may call or text the number you entered. You can tell them to stop. The form never asks for a Social Security number.
One guide on the filing order, plus short answers and the lawyer checklist. Each one names its court or trustee source.
You decide what happens after the call. The form does not file a case.
Request a call