Debt Problems · If you cannot pay a bill when it is due, creditors have many legal ways to collect. You have rights too. Page through descriptions of common financial problems and their solutions, or go directly to the page that interests you.  Calls & Threats · Repossession

Debt Solutions · The way to a fresh start can be found under Federal law.

Protection from Creditors · There are two chapters Federal law designed to protect us from creditors.

Description of Chapter 7 & Chapter 13 · Chapter 7, Liquidation Bankruptcy, and Chapter 13, Debt Adjustment, give consumers two ways to handle debt.

Who is Eligible? · The requirements for Chapter 7 and 13 are different.

Secured Property · Your car, home and furniture may secure some debt. This section shows how secured property may be kept in Chapters 7 and 13.

Business Interests · If you own a business you will want to file the right chapter to keep from losing it.

Property You May Lose · Some things you own could be taken from you. See what property is at risk.

Debt Not Discharged · Not all debt goes away.  See what debt will not be discharged, and what things you do that could prevent you from getting a discharge.