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About Bankruptcy

Learn about bankruptcy, the difference between Chapter 7 and Chapter 13, exempt property, the "means" test, and credit counseling services.

Bankruptcy Guided Assistant

Provides guidance about filing for bankruptcy in Louisiana, particularly chapter 7 and chapter 13. This Guided Assistant tool can help you understand the most common types of bankruptcy. It can also help you determine which type of bankruptcy you might need to file. This tool is not legal advice. This tool does not take the place of legal advice from a competent attorney licensed in your state and familiar with the law and facts of your legal issue.

Is Chapter 7 Bankruptcy Right for You?

Learn about Chapter 7 bankruptcy, including eligibility requirements, why to file for bankruptcy, what you will need, and the pros and cons of Chapter 7 bankruptcy.

Is Chapter 13 Bankruptcy Right For You?

Learn about Chapter 13 bankruptcy, including eligibility requirements, what you will need to file, and the pros and cons of Chapter 13 bankruptcy.

Credit Counseling and Debtor Education

FAQs about credit counseling and debtor education, applications for credit counseling and debtor education, and find US Department of Justice approved providers of credit counseling and debtor education.

ABA Military Pro Bono Project

The ABA Military Pro Bono Project—managed by the ABA Standing Committee on Legal Assistance for Military Personnel (LAMP)—accepts case referrals from military attorneys on behalf of junior-enlisted, active-duty military personnel facing civil legal issues, and it works to place these cases with pro bono attorneys. The Project is also the platform for Operation Stand-By, through which military attorneys and other pro bono attorneys may seek attorney-to-attorney guidance.

Filing for Bankruptcy Without An Attorney

Individuals can file bankruptcy without an attorney, which is called filing pro se. However, seeking the advice of a qualified attorney is strongly recommended because bankruptcy has long-term financial and legal outcomes. Filing personal bankruptcy under Chapter 7 or Chapter 13 takes careful preparation and understanding of legal issues. Misunderstandings of the law or making mistakes in the process can affect your rights. Court employees and bankruptcy judges are prohibited by law from offering legal advice.

Financial Security for Older Adults

Use these resources to help older adults and their caregivers navigate some of the important decisions that can affect later-life financial security. Browse guides and information to help older adults make sound financial decisions, protecting savings and assets, and other financial challenges.

Payday Loans

A payday loan is a type of short-term option to borrow where a lender will extend high-interest credit based on your income. Its principal is typically a portion of your next paycheck. Payday loans charge high interest rates for short-term immediate credit. They are also called “cash advance” loans or “check advance” loans.

Repair Or Dispute Your Credit Reports

If there is true information on your report that is bad for you, credit bureaus can usually only report for 7 years. They can report bankruptcy information for 10 years. More information about repairing or disputing your credit report.

What Are Open Accounts?

A quick introduction to open accounts.

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