People overwhelmed with debt problems can get a fresh financial start by filing for bankruptcy relief. Bankruptcy can stop foreclosure on a house or mobile home, prevent repossession of a car or other property, stop wage garnishment or debt collection harassment, and prevent termination of utility services. In some bankruptcy cases, a plan can be approved to pay over time some or all of an individual's debts. After years of intense debate, Congress enacted an overhaul of the nation’s consumer bankruptcy laws in 2005.  The changes have made the process more complicated, but the basic right to file bankruptcy and most of the benefits remain the same for most individuals.


Pro Bono Bankruptcy Training Program Material

Intended to help pro bono programs, legal services programs, local bar associations, and other organizations provide high-quality trainings for volunteer attorneys on representing consumers in bankruptcy cases.

Policy Analysis

Policy Briefs, Reports and Press Releases

Testimony and Comments

Additional Resources

  • Questions and Answers about the Mortgage Modification Bankruptcy Bills (H.R. 200 and S. 61), What is the status of the bills? What is the most significant feature of the bills which would make modification for home mortgages different than under current law for other loans? Q&A
  • Six Things  Legal Services and Pro Bono Lawyers Should Know About the Attorney Provisions in the 2005 Act

Related Publications

  • Consumer Bankruptcy Law and Practice - The definitive consumer bankruptcy treatise, updated with the latest case law and Bankruptcy Code, forms and rules changes, by Henry Sommer, the nation’s leading author on consumer bankruptcy.
  • Bankruptcy Basics- Who's Afraid of the 2005 Bankruptcy Act? This one package provides everything attorneys new to bankruptcy need to file their first case, with examples of forms to file, easy-to-use software, and more

GM and Chrysler Bankruptcies