Money & Debt

ILAO has an easy-to-use program to help you decide if bankruptcy is right for you.

Bankruptcy is a useful tool. It can wipe out some debts and help you repay others. Bankruptcy can help restore utility service or reinstate a drivers' license. It can stop a mortgage A loan given by a bank that is used to help someone buy a home foreclosure A forced sale of property when a person doesn't make payments on a loan or reverse a wage garnishment. A legal procedure that requires the employer of a judgment debtor to withhold a portion of their wages to satisfy a judgment But bankruptcy cannot fix everything.

Are you dealing with any of these problems?

• You are in danger of losing your home through foreclosure or a property tax sale.
• You want to reduce your wage garnishment.
• You received a shutoff notice for utility services, such as gas, electric, or water.
• Your driver's license is suspended and you need it reinstated.
• You need debt collectors to stop calling or coming to your house.
• You live in subsidized housing and received a termination When something ends notice.
• You cannot afford to pay your credit cards or other bills.

Have you wondered if you should file bankruptcy?

This program can help you find out if bankruptcy is right for you. It asks you why you are thinking of filing bankruptcy, and questions about your income, debts, and the value of your property. Once completed, you can see whether Chapter 7 or Chapter 13 bankruptcy fits your situation. Afterward, you can download a summary of the information with links to related articles and referrals to lawyers as well as the answers to your questions for future reference.

This program does not give legal advice. It does not take the place of advice from a lawyer.