All bankruptcy is federal law
Governed by Title 11 of the U.S. Code
All bankruptcy is federal law
Governed by Title 11 of the U.S. Code
Filed in U.S. Bankruptcy Court, not state court
Chapters are not interchangeable — each serves a different purpose
Filed in U.S. Bankruptcy Court, not state court
Chapters are not interchangeable — each serves a different purpose
Chapter 7 – Liquidation
What it is:
The most common consumer bankruptcy
A court-supervised process to wipe out eligible unsecured debts
Who it’s for ?
Most pro se filers use Chapter 7
Individuals with low to moderate income
People who cannot realistically repay debts
Key facts
Usually lasts 3–4 months
You must pass a means test
Mandatory credit counseling + debtor education
Can only receive a Chapter 7 discharge once every 8 years
Chapter 7 is relatively Pro Se friendly
- For $100 We will fill out the form with you but you are still Pro Se filing it and we can help you e-file.
- “Chapter 11 bankruptcy filings are federal proceedings that typically require legal counsel due to their complexity.
- We do not provide Chapter 11 filing packets.
- General information may be discussed during consultation, and we are going to have an available bankruptcy lawyer call you, no fee for the attorney call later but it is still a $25 fee to consult us.
- Chapter 11:
- Involves plan confirmation
- Creditor classes
- Disclosure statements
- Court approval processes
- You are probably going to need an attorney for chapter 11 whom we can have call you if you cannot find one one on your own and we will have an attorney web page coming soon for Oregon Users
- https://www.uscourts.gov/forms/bankruptcy-forms
Some property may be sold, but most filers keep everything due to exemptio