Bankruptcy
Bankruptcy is a legal process designed to help individuals or families overwhelmed by debt to get a fresh financial start or reorganize their finances. It allows people to either eliminate certain debts or create a manageable repayment plan under court supervision. Below are some resources to help you understand or navigate the Bankruptcy process.
- TexasLawHelp.org serves as a comprehensive resource for Texans seeking information and assistance with bankruptcy. It provides free, accessible legal information and tools to help individuals understand and navigate the bankruptcy process such as Educational Content, Step-by-Step Guidance, Free Resources and Tools, Legal Aid Referrals, Texas-Specified Information and Self-Help focus.
- This page, from Nolo.com, helps give ideas and resources for those needing to file Chapter 7 Bankruptcy that cannot afford a bankruptcy attorney.
- This page, from Debt.org, is a comprehensive resource focused on financial education and debt relief options. It aims to inform individuals about bankruptcy, its processes, types, benefits, drawbacks, and alternatives, with a focus on helping people make informed decisions about managing overwhelming debt.
GreenPath Financial Wellness is a trusted national nonprofit with more than 60-years of helping people build financial health and resiliency. Their NFCC-certified counselors give you options to manage debt, student loans and homeownership.
Phone #: 844-822-2678
Counseling Hours
Monday-Thursday 7:00 AM – 9:00 PM CDT
Friday 7:00 AM – 7:00 PM CDT
Saturday 8:00 AM – 5:00 PM CDT
In Charge Debt Solutions
InCharge offers nonprofit credit counseling and DMPs that lower interest rates and monthly payments, helping clients avoid bankruptcy. They also provide pre-filing bankruptcy counseling and debtor education, as required by U.S. bankruptcy code. Services include DMPs, credit counseling, bankruptcy counseling, and housing counseling.
Find Out if You Qualify for a Debt Management Program
Monday-Friday: 9 am – 10 pm ET
Saturday: 9 am – 6 pm ET
Talk to a Housing Counselor
Monday-Friday: 9 am to 5 pm ET
Talk to a Bankruptcy Counselor
Monday-Friday: 8 am to 6 pm ET
InCharge Debt Solutions.
5750 Major Blvd, Suite 300
Orlando, FL 32819
Money Management International
MMI is a nonprofit offering debt management plans that consolidate unsecured debts (e.g., credit cards) into a single monthly payment with reduced interest rates. They work with creditors to lower rates and waive fees, helping clients pay off debt in 24–60 months. MMI has an A+ BBB rating and a 4.8/5 Trustpilot score. Services include DMPs, bankruptcy counseling, student loan counseling, and housing counseling.
Phone#: 866-889-9347
Take Charge America
A nonprofit since 1987, Take Charge America offers DMPs, credit counseling, and bankruptcy counseling. They negotiate lower APRs with creditors, helping clients pay off debt faster without bankruptcy. They’ve assisted over 2 million people nationwide. Services include DMPs, credit counseling, student loan counseling, and housing counseling.
Phone #: 866-528-0588
Upsolve
Upsolve is a national nonprofit offering free tools and resources to help low-income individuals file for Chapter 7 bankruptcy without an attorney. Their platform guides users through the bankruptcy process with step-by-step instructions, and they’ve been praised for simplifying paperwork.
Visit upsolve.org to start the free bankruptcy filing process or to access their help resources. They offer a guided online platform for eligible users, and you can typically find support through their website’s contact forms or FAQs.