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Can't Pay My Bills by State

Per-state emergency resources: LIHEAP, SNAP, utility protections, legal aid, and FJC filing-volume stress signals.

Our research was cited by the federal judiciary as Suggestions 26-BK-3 and 26-BK-5

Most-read OBP guides

Brunner Test (§523(a)(8))

3-prong analysis for discharging student loans

Car Loan After Bankruptcy

Buy a car and get financing post-discharge

Student Loans in Bankruptcy

Can you discharge them? 2026 guide

Federal Exemptions §522(d)

Complete list of federal exemptions

Nondischargeable Debts List

Debts that survive bankruptcy discharge