Free Bankruptcy Guides

100+ free guides covering every major bankruptcy topic. No ads, no attorney referrals, no data collection.

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The Open Bankruptcy Project is a 501(c)(3) nonprofit that publishes free, plain-language bankruptcy guides on over 100 dedicated websites. Every guide is written for real people facing real financial decisions -- not for search engines or lead generation. There are no ads, no attorney referral fees, and no personal data collection. Browse by topic below.

Before You File

What Is Chapter 7 Bankruptcy?
whatischapter7.com
Chapter 7 vs. Chapter 13
chapter7vs13.org
The Bankruptcy Means Test
bankruptcymeanstest.org
How to File Bankruptcy
howtofilebankruptcy.org
How Much Does Bankruptcy Cost?
bankruptcycost.org
Bankruptcy Costs Explained
howmuchdoesbankruptcycost.com
Credit Counseling Requirement
creditcounselingbankruptcy.com
What Not to Do Before Filing
whatnottobeforebankruptcy.com
Finding Affordable Bankruptcy Help
cheapbankruptcylawyer.org
Filing Without a Lawyer
filebankruptcywithoutlawyer.com
Pro Se Bankruptcy Questions
prosequestion.com

The Automatic Stay

The Automatic Stay Explained
automaticstay.org
Relief From the Automatic Stay
relieffromstay.org
Co-Debtor Stay (Chapter 13)
codebtorstay.org
Cosigner Rights in Bankruptcy
cosignerrights.org

Discharge & Denial

Understanding Your Discharge
bankruptcydischarge.org
When Bankruptcy Is Denied
bankruptcydenied.com
Nondischargeable Debts (Section 523)
523a.org
Debts That Survive Bankruptcy
nondischargeable.org
Discharge Injunction (Section 524)
524injunction.com
Discharge Injunction Guide
dischargeinjunction.com
Discharge Injunction Explained
dischargeinjunction.org
Discharge Bar Rules
dischargebar.org
Chapter 7 Discharge Waiting Period
727a8.com

Filing Again

Can I File Bankruptcy Again?
canifileagain.org
Filing Bankruptcy Twice
canifilebankruptcytwice.com
Filing Bankruptcy Again
filebankruptcyagain.com
Section 109(g) Dismissal Bar
109g.org
1328(f) Discharge Screener
1328f.com
Serial Filing Rules
serialfiler.org

Dismissal

Bankruptcy Dismissal Rates
dismissalrate.org
When Bankruptcy Is Dismissed
dismissedbankruptcy.org
Bankruptcy Dismissed -- Now What?
bankruptcydismissed.com
Why Was My Case Dismissed?
whywasmybankruptcydismissed.com

Chapter 13 Specifics

Chapter 13 Plan Guide
chapter13plan.org
Section 1328 Discharge
section1328.org
Hardship Discharge
bankruptcyhardship.org
Debt-to-Income Ratio
debttoincomeratio.org

Exemptions & Assets

Bankruptcy Exemptions by State
bankruptcyexemptionsbystate.com
Lien Issues in Bankruptcy
bankruptcylien.com
Keeping Your Car
keepmycarinbankruptcy.com
Keeping Your House
keepmyhouseinbankruptcy.com
Disability and Debt
disabilityanddebt.org

Debt Types

Credit Card Debt
creditcarddebtbankruptcy.org
Average Credit Card Debt
averagecreditcarddebt.org
Credit Card Forgiveness
creditcardforgiveness.org
Student Loans in Bankruptcy
bankruptcystudentloans.org
The Brunner Test
brunnertest.org
1099-C and Canceled Debt
1099cdebt.com
Taxes in Bankruptcy
bankruptcytaxes.org
Medical Bills in Bankruptcy
medicalbillbankruptcy.com
Medical Debt and Bankruptcy
medicaldebtbankruptcy.com

Debt Collection

Debt Collection Lawsuits
debtcollectionlawsuit.org
Cease and Desist Letters
ceaseanddesistdebt.com
Debt Validation Letters
debtvalidationletter.org
How to Stop Debt Collectors
howtostopdebtcollectors.org
Debt Buyer Rights
debtbuyerrights.org
Bank Account Levy
bankaccountlevy.com
Statute of Limitations on Debt
debtstatuteoflimitations.com
Sued for Debt
suedfordebt.org
Default Judgments
defaultjudgment.org
Vacating a Judgment
vacatejudgment.org
Wage Garnishment
garnishedwages.org

Alternatives to Bankruptcy

Debt Consolidation vs. Bankruptcy
debtconsolidationvsbankruptcy.com
Debt Settlement vs. Bankruptcy
debtsettlementvsbankruptcy.com
Debt Relief vs. Bankruptcy
debtrelieforbankruptcy.com
Can't Pay My Bills
cantpaymybills.com
Behind on Rent
behindonrent.com

After Bankruptcy

Rebuilding Credit
rebuildcreditafterbankruptcy.com
Credit Score After Bankruptcy
creditscorebankruptcy.com
Buying a Car After Bankruptcy
buyacarafterbankruptcy.com
Buying a House After Bankruptcy
buyahouseafterbankruptcy.com
Your Fresh Start
bankruptcyfreshstart.org
Deficiency Balances
deficiencybalance.com
Reaffirmation Agreements
reaffirmationagreement.org

Attorney Issues

Lawyer Won't Call Back
mybankruptcylawyerwontcallback.com
Fired by Your Lawyer
firedbymybankruptcylawyer.com
Bankruptcy Malpractice
bankruptcymalpractice.org
Attorney Ratings
bankruptcyattorneyratings.org
Lawyer Reviews
bankruptcylawyerreview.org

Trustee & Court

Understanding Your Trustee
bankruptcytrustee.org
341 Meeting of Creditors
341meeting.org

Frequently Asked Questions

Are these bankruptcy guides free?

Yes. Every guide in the Bankruptcy Transparency Network is 100% free. There are no paywalls, no registration requirements, and no hidden costs. All content is provided as a public service by the Open Bankruptcy Project, a 501(c)(3) nonprofit.

Who runs the Open Bankruptcy Project?

The Open Bankruptcy Project is a 501(c)(3) nonprofit organization dedicated to bankruptcy court transparency and public education. It operates over 100 educational websites covering every major bankruptcy topic, all funded by volunteers and public donations.

Do you collect personal data?

No. We do not collect, store, or sell any personal information. Our sites use basic analytics to measure traffic but do not track individual users, use cookies for advertising, or share data with third parties.

Is this legal advice?

No. These guides provide general educational information about bankruptcy law. They are not legal advice and do not create an attorney-client relationship. You should consult a qualified bankruptcy attorney for advice about your specific situation.