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2. When should I file for bankruptcy? - AOL

   www.aol.com/finance/file-bankruptcy-011643245.html

   Before you can file for Chapter 7 or Chapter 13 bankruptcy, you are required to attend credit counseling. Your credit counselor will go over your options.

3. Common types of bankruptcy and how to avoid filing - AOL

   www.aol.com/finance/common-types-bankruptcy...

   There are two common types of bankruptcy: Chapter 7 and Chapter 13. Filing for bankruptcy is a time-consuming process that can take years to stop affecting your finances.

4. Chapter 7, Title 11, United States Code - Wikipedia

   en.wikipedia.org/wiki/Chapter_7,_Title_11...

   Chapter 7 of Title 11 U.S. Code is the bankruptcy code that governs the process of liquidation under the bankruptcy laws of the U.S. In contrast to bankruptcy under Chapter 11 and Chapter 13, which govern the process of reorganization of a debtor, Chapter 7 bankruptcy is the most common form of bankruptcy in the U.S. [1]

5. Before You File for Bankruptcy, Consider These 3 Alternatives

   www.aol.com/file-bankruptcy-consider-3...

   A Chapter 7 bankruptcy (or BK, as we call it) would eliminate most or all of their debts and they would get a clean slate. No litigation client ever wrote me a thank-you note, but plenty of my ...

6. Bankruptcy in the United States - Wikipedia

   en.wikipedia.org/wiki/Bankruptcy_in_the_United...

   Chapter 7 bankruptcy remains on a bankruptcy filer's credit report for 10 years. United States bankruptcy law significantly changed in 2005 with the passage of Bankruptcy Abuse Prevention and Consumer Protection Act (US) —- BAPCPA, which made it more difficult for consumer debtors to file bankruptcy in general and Chapter 7 in particular.

7. Bankruptcy Abuse Prevention and Consumer Protection Act

   en.wikipedia.org/wiki/Bankruptcy_Abuse...

   Prior to the BAPCPA Amendments, debtors of all incomes could file for bankruptcy under Chapter 7. BAPCPA restricted the number of debtors that could declare Chapter 7 bankruptcy. The act sets out a method to calculate a debtor's income, and compares this amount to the median income of the debtor's state.

8. How Does Bankruptcy Affect Your HELOC? - AOL

   www.aol.com/finance/does-bankruptcy-affect-heloc...

   The impact of bankruptcy on a HELOC depends on the type of bankruptcy filing (Chapter 7 vs. Chapter 13). In both types of bankruptcy, staying current on HELOC payments is necessary to keep your home.

9. Bankruptcy - Wikipedia

   en.wikipedia.org/wiki/Bankruptcy

   To be eligible to file a consumer bankruptcy under Chapter 7, a debtor must qualify under a statutory means test. [55] The means test was intended to make it more difficult for a significant number of financially distressed individual debtors whose debts are primarily consumer debts to qualify for relief under Chapter 7 of the Bankruptcy Code.