Want A Fresh Start Without Financial Stress? Declaring Bankruptcy May Help You

Schedule your free meeting with a professional advocate to review your debt and learn whether bankruptcy may personally benefit you.

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Discharge Burdensome Debt Through Chapter 13 or Chapter 7 Bankruptcy

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Even Smart, Hardworking People File Bankruptcy — Here’s Why

Filing bankruptcy is not a moral failing. In fact, it’s a smart move to protect your key financial assets. If you have a pension fund, 401(k) or IRA plan, declaring bankruptcy can protect your retirement savings, too.

Worried about bankruptcy showing up on your credit report for 7-10 years? See how long your credit score could be negatively impacted if you choose not to file:

7 Years

Late payments, foreclosures, debt collections, defaulted student loans, tax liens (from payoff date), lawsuit settlements and other judgments ruled against you (or until your state’s statute of limitations runs out, whichever is longer), discharged debts.


Information reported to potential employers for jobs with annual salaries above $20,000; information reported to lenders when you apply for a line of credit or life insurance policy worth over $50,000; unpaid tax liens listed in public records.

What Debts Cannot Be Discharged Through Bankruptcy?

While bankruptcy gives those drowning in debt a new beginning, it won’t eliminate everything. The following debts cannot be discharged through bankruptcy:

See How Filing Bankruptcy May Personally Benefit You