The GoBK Library

01Bankruptcy basics

What bankruptcy actually does, what it can't do, and whether it fits your situation.

The means test, whether above-median income rules you out, filing when you're unemployed or retired, and filing alone or with a spouse.

What actually happens step by step: the paperwork, the trustee, and the two required courses.

The faster form of bankruptcy: what gets discharged, what you keep, and what to expect.

The three-to-five-year plan: catching up a mortgage, keeping a car, and what happens when life changes mid-plan.

Your house, car, retirement, property you own with someone else, and how exemptions protect them.

Which debts bankruptcy erases and which survive: credit cards, medical bills, taxes, student loans, support.

Garnishments, lawsuits, frozen accounts, foreclosure, repossession, and how fast bankruptcy can stop them.

Credit, renting, buying a home or car, and rebuilding on solid ground.

Settlement, debt management plans, consolidation loans, and when doing nothing is a real option.

How to arrive at a consultation informed and organized: your numbers, your documents, what it will cost, and what technology can and can't do.