Bankruptcy lawyers help individuals and businesses evaluate debt-relief options, determine whether Chapter 7, Chapter 11, or Chapter 13 may apply, prepare bankruptcy filings, address creditor actions, and navigate court requirements. Use FindTheLawyers to search bankruptcy attorneys by location, compare profiles, experience, and practice focus, and contact a lawyer who handles bankruptcy matters in your area.
You may want to speak with a bankruptcy lawyer when debt problems become difficult to manage.
| Chapter 7 | Chapter 13 | |
|---|---|---|
| Main approach | Liquidation | Repayment plan |
| Typical users | Individuals meeting eligibility requirements | Individuals with regular income |
| Repayment plan | Generally no | Usually 3–5 years |
| Property considerations | Exemption rules matter | Often structured around repayment |
| Attorney review | Recommended | Recommended |
When comparing bankruptcy lawyers, consider:
FindTheLawyers helps people compare bankruptcy lawyers across the United States without requiring registration. Search attorneys by state or city, review lawyer profiles, practice information, office locations, and consultation details, and connect directly with law firms handling Chapter 7, Chapter 13, debt relief, creditor issues, foreclosure concerns, and other bankruptcy matters.
What does a bankruptcy lawyer do?
A bankruptcy lawyer helps individuals or businesses understand their debt-relief options, prepare required documents, file a bankruptcy case, communicate with creditors, and represent them in bankruptcy court. An attorney can also explain exemptions, repayment plans, discharge rules, and how bankruptcy may affect property, debts, and future financial obligations.
What is the difference between Chapter 7 and Chapter 13 bankruptcy?
Chapter 7 generally focuses on discharging eligible unsecured debts and may involve liquidation of certain nonexempt assets. Chapter 13 uses a court-approved repayment plan, usually lasting three to five years. Eligibility, income, property, debt type, and financial goals can affect which option may be available.
When should I contact a bankruptcy attorney?
Consider speaking with a bankruptcy attorney when debt payments become difficult to manage, creditors are taking collection action, wages are being garnished, foreclosure is threatened, or you are considering bankruptcy. Getting legal guidance early can help you understand available options before making major financial decisions.
How much does a bankruptcy lawyer cost?
Bankruptcy attorney fees vary based on the type of case, its complexity, location, and the lawyer’s experience. Chapter 7 cases often involve a set attorney fee, while Chapter 13 fees may be structured differently. Court filing fees and other costs may also apply, so ask for a clear fee breakdown.
Can a bankruptcy lawyer help stop creditor collection actions?
A bankruptcy lawyer can explain whether filing bankruptcy may trigger the automatic stay, which generally pauses many collection activities, including certain lawsuits, garnishments, and collection calls. Some exceptions apply, and the protection may vary depending on the case, so legal advice can help clarify what actions may be affected.
How can I find a bankruptcy lawyer near me?
Search for bankruptcy lawyers who serve your city or state and compare their bankruptcy experience, Chapter 7 and Chapter 13 knowledge, fees, consultation options, communication style, and client reviews. You can also use FindTheLawyers to browse bankruptcy attorneys near you and review available profile information before contacting a lawyer.