{"id":14,"date":"2026-02-08T08:59:50","date_gmt":"2026-02-08T08:59:50","guid":{"rendered":"https:\/\/rdelegalresource.com\/?page_id=14"},"modified":"2026-02-23T22:26:44","modified_gmt":"2026-02-23T22:26:44","slug":"bankruptcy","status":"publish","type":"page","link":"https:\/\/rdelegalresource.com\/?page_id=14","title":{"rendered":"Bankruptcy"},"content":{"rendered":"\n<figure class=\"wp-block-image alignright size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/rdelegalresource.com\/wp-content\/uploads\/2026\/02\/RDE-Legal-Services-Logo-1.png\" alt=\"\" class=\"wp-image-61\" style=\"width:322px;height:auto\" srcset=\"https:\/\/rdelegalresource.com\/wp-content\/uploads\/2026\/02\/RDE-Legal-Services-Logo-1.png 1024w, https:\/\/rdelegalresource.com\/wp-content\/uploads\/2026\/02\/RDE-Legal-Services-Logo-1-300x300.png 300w, https:\/\/rdelegalresource.com\/wp-content\/uploads\/2026\/02\/RDE-Legal-Services-Logo-1-150x150.png 150w, https:\/\/rdelegalresource.com\/wp-content\/uploads\/2026\/02\/RDE-Legal-Services-Logo-1-768x768.png 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"has-text-align-center has-x-large-font-size wp-block-paragraph\"><strong>All bankruptcy is federal law<\/strong><\/p>\n\n\n\n<p class=\"has-x-large-font-size wp-block-paragraph\">Governed by <strong>Title 11 of the U.S. Code<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center has-x-large-font-size wp-block-paragraph\"><strong>All bankruptcy is federal law<\/strong><\/p>\n\n\n\n<p class=\"has-x-large-font-size wp-block-paragraph\">Governed by <strong>Title 11 of the U.S. Code<\/strong><\/p>\n\n\n\n<p class=\"has-x-large-font-size wp-block-paragraph\">Filed in <strong>U.S. Bankruptcy Court<\/strong>, not state court<\/p>\n\n\n\n<figure class=\"wp-block-image alignright size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"366\" height=\"400\" src=\"https:\/\/rdelegalresource.com\/wp-content\/uploads\/2026\/02\/image-1-6.png\" alt=\"\" class=\"wp-image-362\" srcset=\"https:\/\/rdelegalresource.com\/wp-content\/uploads\/2026\/02\/image-1-6.png 366w, https:\/\/rdelegalresource.com\/wp-content\/uploads\/2026\/02\/image-1-6-275x300.png 275w\" sizes=\"auto, (max-width: 366px) 100vw, 366px\" \/><\/figure>\n\n\n\n<p class=\"has-text-align-center has-x-large-font-size wp-block-paragraph\">Chapters are <strong>not interchangeable<\/strong> \u2014 each serves a different purpose<\/p>\n\n\n\n<p class=\"has-x-large-font-size wp-block-paragraph\">Filed in <strong>U.S. Bankruptcy Court<\/strong>, not state court<\/p>\n\n\n\n<p class=\"has-text-align-center has-x-large-font-size wp-block-paragraph\">Chapters are <strong>not interchangeable<\/strong> \u2014 each serves a different purpose<\/p>\n\n\n\n<p class=\"has-text-align-center has-x-large-font-size wp-block-paragraph\"><strong>Chapter 7 \u2013 Liquidation<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center has-x-large-font-size wp-block-paragraph\">What it is:<\/p>\n\n\n\n<figure class=\"wp-block-image alignright size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"333\" height=\"254\" src=\"https:\/\/rdelegalresource.com\/wp-content\/uploads\/2026\/02\/image-16.png\" alt=\"\" class=\"wp-image-253\" srcset=\"https:\/\/rdelegalresource.com\/wp-content\/uploads\/2026\/02\/image-16.png 333w, https:\/\/rdelegalresource.com\/wp-content\/uploads\/2026\/02\/image-16-300x229.png 300w\" sizes=\"auto, (max-width: 333px) 100vw, 333px\" \/><\/figure>\n\n\n\n<p class=\"has-base-color has-text-color has-link-color has-x-large-font-size wp-elements-c8b07faf4d416e2d2a5293d2df5e54e7 wp-block-paragraph\"><strong>The most common consumer bankruptcy<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-x-large-font-size\">A court-supervised process to <strong>wipe out eligible unsecured debts<\/strong><\/h3>\n\n\n\n<p class=\"has-xx-large-font-size wp-block-paragraph\">Who it\u2019s for ?<\/p>\n\n\n\n<p class=\"has-x-large-font-size wp-block-paragraph\">Most <strong>pro se filers<\/strong> use Chapter 7<\/p>\n\n\n\n<figure class=\"wp-block-image alignright size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"357\" height=\"406\" src=\"https:\/\/rdelegalresource.com\/wp-content\/uploads\/2026\/02\/image-4-3.png\" alt=\"\" class=\"wp-image-358\" srcset=\"https:\/\/rdelegalresource.com\/wp-content\/uploads\/2026\/02\/image-4-3.png 357w, https:\/\/rdelegalresource.com\/wp-content\/uploads\/2026\/02\/image-4-3-264x300.png 264w\" sizes=\"auto, (max-width: 357px) 100vw, 357px\" \/><\/figure>\n\n\n\n<p class=\"has-x-large-font-size wp-block-paragraph\">Individuals with <strong>low to moderate income<\/strong><\/p>\n\n\n\n<p class=\"has-x-large-font-size wp-block-paragraph\">People who cannot realistically repay debts<\/p>\n\n\n\n<p class=\"has-x-large-font-size wp-block-paragraph\">Key facts<\/p>\n\n\n\n<p class=\"has-x-large-font-size wp-block-paragraph\">Usually lasts <strong>3\u20134 months<\/strong><\/p>\n\n\n\n<p class=\"has-x-large-font-size wp-block-paragraph\">You must pass a <strong>means test<\/strong><\/p>\n\n\n\n<p class=\"has-contrast-color has-text-color has-link-color has-x-large-font-size wp-elements-bf936eadb4cb0a4a3e9fa74af8bae440 wp-block-paragraph\">Mandatory <strong>credit counseling<\/strong> + <strong>debtor education<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image alignright size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"421\" height=\"367\" src=\"https:\/\/rdelegalresource.com\/wp-content\/uploads\/2026\/02\/image-10.png\" alt=\"\" class=\"wp-image-229\" srcset=\"https:\/\/rdelegalresource.com\/wp-content\/uploads\/2026\/02\/image-10.png 421w, https:\/\/rdelegalresource.com\/wp-content\/uploads\/2026\/02\/image-10-300x262.png 300w\" sizes=\"auto, (max-width: 421px) 100vw, 421px\" \/><\/figure>\n\n\n\n<p class=\"has-contrast-color has-text-color has-link-color has-x-large-font-size wp-elements-e081b4893576afa8ae439a77adf460bf wp-block-paragraph\">Can only receive a Chapter 7 discharge <strong>once every 8 years<\/strong><\/p>\n\n\n\n<p class=\"has-contrast-color has-text-color has-link-color has-x-large-font-size wp-elements-1ebbe9323940064e3acee03b1d14ef26 wp-block-paragraph\">Chapter 7 is relatively Pro Se friendly<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-contrast-color has-text-color has-link-color has-x-large-font-size wp-elements-f4b3ac4b930f432749dd736cbe316bce\">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.<\/li>\n\n\n\n<li>\u201cChapter 11 bankruptcy filings are federal proceedings that typically require legal counsel due to their complexity.<\/li>\n\n\n\n<li>We do not provide Chapter 11 filing packets.<\/li>\n\n\n\n<li>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.<\/li>\n\n\n\n<li>Chapter 11:<\/li>\n\n\n\n<li>Involves plan confirmation<\/li>\n\n\n\n<li>Creditor classes<\/li>\n\n\n\n<li>Disclosure statements<\/li>\n\n\n\n<li>Court approval processes<\/li>\n\n\n\n<li>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<\/li>\n\n\n\n<li><a href=\"https:\/\/www.uscourts.gov\/forms\/bankruptcy-forms\">https:\/\/www.uscourts.gov\/forms\/bankruptcy-forms<\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center has-base-color has-text-color has-link-color has-x-large-font-size wp-elements-114955e6f97116cf9d8d0fd9b7de8be7 wp-block-paragraph\">Some property may be sold, but <strong>most filers keep everything<\/strong> due to exemptio<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-3a88641f wp-block-group-is-layout-flex\">\n<div data-wp-interactive=\"core\/file\" class=\"wp-block-file\"><object data-wp-bind--hidden=\"!state.hasPdfPreview\" hidden class=\"wp-block-file__embed\" data=\"https:\/\/rdelegalresource.com\/wp-content\/uploads\/2026\/02\/form101_committee_note.pdf\" type=\"application\/pdf\" style=\"width:100%;height:600px\" aria-label=\"Embed of form101_committee_note.\"><\/object><a id=\"wp-block-file--media-1275cdaf-2dce-48da-b8c6-56131bafa9db\" href=\"https:\/\/rdelegalresource.com\/wp-content\/uploads\/2026\/02\/form101_committee_note.pdf\">form101_committee_note<\/a><a href=\"https:\/\/rdelegalresource.com\/wp-content\/uploads\/2026\/02\/form101_committee_note.pdf\" class=\"wp-block-file__button wp-element-button\" download aria-describedby=\"wp-block-file--media-1275cdaf-2dce-48da-b8c6-56131bafa9db\">Download<\/a><\/div>\n\n\n\n<div data-wp-interactive=\"core\/file\" class=\"wp-block-file\"><object 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data-wp-bind--hidden=\"!state.hasPdfPreview\" hidden class=\"wp-block-file__embed\" data=\"https:\/\/rdelegalresource.com\/wp-content\/uploads\/2026\/02\/Voluntary-petition-for-individuals-filing-bankruptcy-2.pdf\" type=\"application\/pdf\" style=\"width:100%;height:600px\" aria-label=\"Embed of Voluntary petition for individuals filing bankruptcy.\"><\/object><a id=\"wp-block-file--media-f63cbe49-bd29-49b8-ad09-91382750716f\" href=\"https:\/\/rdelegalresource.com\/wp-content\/uploads\/2026\/02\/Voluntary-petition-for-individuals-filing-bankruptcy-2.pdf\">Voluntary petition for individuals filing bankruptcy<\/a><a href=\"https:\/\/rdelegalresource.com\/wp-content\/uploads\/2026\/02\/Voluntary-petition-for-individuals-filing-bankruptcy-2.pdf\" class=\"wp-block-file__button wp-element-button\" download aria-describedby=\"wp-block-file--media-f63cbe49-bd29-49b8-ad09-91382750716f\">Download<\/a><\/div>\n\n\n\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-3a88641f wp-block-group-is-layout-flex\">\n<div data-wp-interactive=\"core\/file\" class=\"wp-block-file\"><object data-wp-bind--hidden=\"!state.hasPdfPreview\" hidden class=\"wp-block-file__embed\" data=\"https:\/\/rdelegalresource.com\/wp-content\/uploads\/2026\/02\/Voluntary-petition-for-individuals-filing-bankruptcy-1.pdf\" type=\"application\/pdf\" style=\"width:100%;height:600px\" aria-label=\"Embed of Voluntary petition for individuals filing bankruptcy.\"><\/object><a id=\"wp-block-file--media-a1128295-aba9-426b-9f5f-8765344ada81\" href=\"https:\/\/rdelegalresource.com\/wp-content\/uploads\/2026\/02\/Voluntary-petition-for-individuals-filing-bankruptcy-1.pdf\">Voluntary petition for individuals filing bankruptcy<\/a><a href=\"https:\/\/rdelegalresource.com\/wp-content\/uploads\/2026\/02\/Voluntary-petition-for-individuals-filing-bankruptcy-1.pdf\" class=\"wp-block-file__button wp-element-button\" download aria-describedby=\"wp-block-file--media-a1128295-aba9-426b-9f5f-8765344ada81\">Download<\/a><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>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 \u2014 each serves a different purpose Filed in U.S. Bankruptcy Court, not state court Chapters are not [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-14","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/rdelegalresource.com\/index.php?rest_route=\/wp\/v2\/pages\/14","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/rdelegalresource.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/rdelegalresource.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/rdelegalresource.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/rdelegalresource.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=14"}],"version-history":[{"count":5,"href":"https:\/\/rdelegalresource.com\/index.php?rest_route=\/wp\/v2\/pages\/14\/revisions"}],"predecessor-version":[{"id":499,"href":"https:\/\/rdelegalresource.com\/index.php?rest_route=\/wp\/v2\/pages\/14\/revisions\/499"}],"wp:attachment":[{"href":"https:\/\/rdelegalresource.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=14"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}