Common questions
Bankruptcy questions, answered.
These general answers are educational only. Your circumstances may call for a different analysis.
Does a likely-pass result mean I qualify for Chapter 7?
No. It means your entries fit this calculator’s simplified screening assumptions. Chapter 7 has other requirements, and an attorney needs to review your full situation before advising you about filing.
Official background: U.S. Courts.
Can I talk with an attorney if my result looks unfavorable?
Yes. You can ask about uncertain entries, matters the tool does not review, and whether other options deserve a closer look. An unfavorable estimate does not answer every question, and a different outcome is not guaranteed.
What a calculator can tell you →
Official background: U.S. Courts.
Who counts in my household for the means test?
This tool starts with you and lets you add a spouse living with you, supported dependents, and other members under its shared-finances assumptions. Those are simplified definitions, not a legal ruling. You can adjust the number and discuss the right approach with an attorney.
Official background: U.S. Trustee Program.
Can a means test tell me whether I can keep my home or car?
No. The estimate does not review ownership, equity, liens, or applicable exemptions. Those details need separate attention. A favorable income result does not establish that your property is protected.
Official background: U.S. Courts.
Does every debt go away in Chapter 7?
No. Some debts may remain, and a discharge does not necessarily remove a lien against property. An attorney can review the particular debts and property you are concerned about.
Official background: U.S. Courts.
What should I prepare for a bankruptcy consultation?
Start with what is worrying you and what you want to understand. Ask the office about fees, which records it needs, and how to share them securely. Bring up any deadlines clearly; sending an inquiry does not mean an attorney is handling them.
Have I hired an attorney if I send the contact form?
No. Sending an inquiry asks the office to contact you. It does not reserve an appointment or create an attorney-client relationship. Representation requires a separate agreement.
Are calculator entries sent with my inquiry?
No. The calculator works in your browser. A consultation link may select a general topic, but it does not include your income, expenses, or other financial entries.
What is the difference between Chapter 7 and Chapter 13?
Chapter 7 may involve the sale of nonexempt property. Chapter 13 generally involves a court-approved plan to repay all or part of a person’s debts over time. Income, property, debts, and other requirements affect which options need consideration. Anita handles Chapter 7; Chapter 13 is educational comparison and is not an offered service.
Compare the questions to ask →
Official background: U.S. Courts.
Does contacting the office stop garnishment, a bank levy or repossession?
No. An inquiry does not file bankruptcy or create a stay. A filing can stop many collection actions, but exceptions, earlier cases and the stage of collection matter. Tell the office the exact event and date; recovery of money or property is not guaranteed.
Collection actions and the automatic stay →
Official background: U.S. Courts.
What is the Chapter 7 meeting of creditors?
The 341 meeting is conducted by a trustee, not a judge. You answer questions under oath about the filings and your financial circumstances, and creditors may ask questions. Follow your meeting notice and trustee instructions about attendance and secure delivery of documents.
Prepare for the meeting of creditors →
Official background: U.S. Trustee Program.
Can Chapter 7 discharge medical bills and credit-card debt?
Ordinary medical bills and credit-card balances may be dischargeable unsecured debts, but the account history, debt type, liens and any applicable exception need review. A general discharge or a calculator estimate does not determine the treatment of every account.
Debts and discharge exceptions →
Official background: U.S. Courts.
Can you predict my credit score after bankruptcy?
This site cannot predict your future credit score, borrowing approval, or how a landlord will evaluate an application. If housing or a future purchase is your concern, explain that when you ask about bankruptcy’s possible effects.
Official background: Consumer Financial Protection Bureau.
Have a question about your situation?
Tell us what you’re concerned about. We’ll explain how to arrange a consultation and what information may be needed.
Request a consultation