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One of the main purposes of Bankruptcy Law is to give a person, who is hopelessly burdened with debt, a fresh start by wiping out his or her debts.

The objective of this website is to provide the person, thinking about declaring bankruptcy, the information he or she needs to make an informed decision. You will then have a good understanding of what the law allows when you meet with your Bankruptcy Trustee.

A Bankruptcy wipes out all a person's eligible debts usually within nine months. In the vast majority of cases the debtor has no assets that he or she would lose. Bankruptcy gives a person a relatively quick "fresh start".

A Proposal is for people who want to pay off a portion of their debts (Say 20 or 30 percent) over a period of usually three to five years.

Visit our Bankruptcy FAQ's, which will answer most of your questions.

If your questions are still not answered we have an "Ask a Trustee" feature so you can ask a trustee in bankruptcy in your area a question.