
Choosing a chapter
Chapter 7 or Chapter 13: four questions that decide it
Your income, your house, your car and what you're behind on. Answer these four and you'll know which chapter to ask about.
Georgina Pendarvis6 min read
Guides
Written for the questions people ask us most, with no forms to fill in first.

Your income, your house, your car and what you're behind on. Answer these four and you'll know which chapter to ask about.

What the notice means, what your employer has to do, and the one filing that stops the deductions.
Checklist
You don't need all of it to book. It just makes the thirty minutes go further.
Your last two paystubs
Last year's tax return
Any benefits letters
Recent statements or collection letters
Any court papers or garnishment orders
Mortgage and car loan statements
Bank and retirement account balances
Ask a lawyer directly. The first call is free.