What happens after you file
The case is filed and then, oddly, very little seems to happen. Here is the shape of it, so the quiet stretches do not frighten you.
Chapter 7
Am I actually bankrupt, or just behind?
There is a real difference between a rough patch and a hole you cannot climb out of. Here is how to tell which one you are in.
Chapter 7 and Chapter 13, in plain language
Two different tools for two different problems. Which one fits is a question for an attorney, but you should walk in knowing what they are.
What you actually get to keep
The fear that filing means losing everything stops more people than the process itself. For most people who file, that is not what happens.