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A starting point for understanding bankruptcy and getting your paperwork in order

Organize your today.
Live your tomorrow.

A free and private workspace that helps you make sense of your financial situation, understand your options, and make a plan that works for you. One step at a time.

I want to understandStart with your question.Plain-English guidesYour home, your car, your debts. One question at a time.Official sourcesStraight to U.S. Courts and the U.S. Trustee Program.Your courtFind the bankruptcy court for your state or county.Explore the basics

Private beta. Public uploads are not open yet.

How it works

Your paperwork in.
A clear snapshot out.

Drop in the pile. Buddy reads each document on your device, pulls out the details, and helps you turn them into one organized summary.

You check every detail Nothing counts until you confirm it. Keep it, fix it, or leave it out.

A little at a time

Your situation.
Broken into simple steps.

You don’t need every document or every answer to start. Follow the questions, skip what you don’t know, and come back whenever you’re ready.

  1. 01

    What you owe

    Credit cards, loans, medical bills. One account at a time.

  2. 02

    What you own

    Your home, your car, bank accounts, and belongings.

  3. 03

    What comes in

    Pay, benefits, and any other income source you have.

  4. 04

    What goes out

    Rent, food, transportation, and the bills you pay.

Make sense of the numbers

More than a calculator.
The work, done step by step.

Buddy organizes what you enter, double-checks the information with you, and turns everything into numbers that help you figure out where you stand and where to go next. Showing you its work every step of the way.

What you can pay each month

From your documents to one monthly number.

Bankruptcy Buddy reviews your documents and information to estimate how much you may be able to pay toward your debts each month.

Average monthly incomeLast six months$4,450
Protected benefits set asideLeft out of the estimate−$250
HousingRent and utilities−$1,350
Food and household−$720
Transportation−$480
Healthcare−$300
Other necessary costs−$400
Payments on secured and priority debts−$350
What you may be able to paySimplified estimate, not a means test$600/ month

Repayment plan

See a 36- or 60-month plan, side by side.

Using that monthly amount, Bankruptcy Buddy creates a 36- to 60-month repayment plan based on your creditors and the types of debt you owe.

$600 a month for 60 months$36,000

  • Plan costsTrustee and plan fees$3,600
  • Debts paid firstBack taxes$7,200
  • Property you keepCar loan$14,400
  • Other debtsCredit cards and medical bills$10,800
  • Every detail keeps its sourceOpen the page a number came from.
  • Dates and next stepsKeep the small things visible.
  • Summary and tablesDownload, print, or share when you choose.
  • Password-protected backupTake a copy with you.
How the workspace works

Keep the source close

Understand more.
Guess less.

Start with plain-English explanations and links to official information. Check the source whenever you need more detail.

Guides & FAQs

Your home, your car, your debts. Pick a question and read a plain-English answer.

I want to understand

Official sources

Go straight to the people who publish the rules.

Read the sources

Find your court

Start with your state or county. Check the details on the court’s own website.

Open the court finder

Private, with clear limits

Your files stay with you.

Document reading happens in your browser, not on our server. You choose what to keep and share. Save a backup before clearing your browser.

  • Read on your deviceStatements and letters are read in your browser. They are not uploaded to us.
  • You decide what countsNothing is added until you check it. Keep a detail, fix it, or leave it out.
  • No account neededYour workspace lives in this browser. Take a password-protected copy with you.
How your data is handled

The Buddy Journal

Useful things to know.
Whenever you’re ready.

All articles

Before you begin

A few clear answers.

What the workspace does, what stays on your device, and where it stops.

More questions in Guides & FAQs

At your pace. On your terms.

You don’t have to do it all today.
Just take the first step.

Start with what’s in front of you. Read a little. Organize a little.

I want to understand

Private beta. Public uploads are not open yet.