Bankruptcy Attorney Near You
What does a bankruptcy attorney do? A bankruptcy attorney helps people overwhelmed by debt get a fresh start through the federal bankruptcy system — advising whether bankruptcy fits, which chapter to file, and how to protect as much property as possible. Most offer a free initial consultation.
What a Bankruptcy Attorney Does
- Review your debts, income, and assets to see if bankruptcy (or an alternative) makes sense.
- Determine whether you qualify for Chapter 7 or Chapter 13 under the means test.
- Prepare and file your petition, schedules, and statements accurately — errors can get your case dismissed.
- Stop creditor harassment immediately through the automatic stay.
- Represent you at the meeting of creditors and any court hearings.
When You Need a Bankruptcy Attorney
- Debt collectors won't stop calling and you're falling further behind every month.
- You're facing foreclosure, repossession, or wage garnishment.
- Your debts far exceed what you could repay in the next few years.
- You've tried debt settlement or consolidation and it didn't work.
- You need to know which debts bankruptcy can and can't erase.
How Much Does a Bankruptcy Attorney Cost?
Chapter 7 cases are commonly handled for a flat fee (often $1,000–$2,500 plus court filing fees, varying by location). Chapter 13 fees are higher and often built into the repayment plan. Most bankruptcy lawyers offer a free initial consultation — use it to understand your options before committing.
Bankruptcy FAQs
Chapter 7 vs. Chapter 13 — what's the difference?
Chapter 7 erases most unsecured debts in a few months and suits people with limited income. Chapter 13 sets up a 3–5 year repayment plan for people with regular income who want to catch up on mortgages or car loans.
Will bankruptcy wipe out all my debts?
No. It erases many unsecured debts like credit cards and medical bills, but generally not student loans, recent taxes, child support, alimony, or court fines. A lawyer reviews exactly which of your debts are dischargeable.
Will I lose my house and car if I file?
Usually not. Exemptions protect equity in your home, car, and personal property, and Chapter 13 is designed to help you keep property while catching up on payments. Your lawyer structures the filing to maximize protection.
How long does bankruptcy stay on my credit report?
Chapter 7 stays 10 years, Chapter 13 stays 7. But most filers start rebuilding within a year or two of discharge using secured cards — scores often recover faster than expected.
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Find a Bankruptcy Attorney by State
Laws vary by state — choose yours to find attorneys who practice where you live: