Eligibility for Chapter 7 or Chapter 13 bankruptcy depends on your income, assets, debts, and financial situation. Chapter 7 is generally for those with lower income who cannot repay their debts, while Chapter 13 is for those with a steady income who can follow a repayment plan.

You can ask the AI Legal Assistant on our website to perform a general means test to help you determine which option you may qualify for.

With the EZ BK hybrid system, a licensed attorney will not represent you in court or provide full legal representation. However, an attorney will review your completed documents, ensure they are accurate and compliant, and file them on your behalf with the bankruptcy court.

This gives you the benefit of legal oversight without the high cost of traditional representation. For additional support, our AI Legal Assistant is available 24/7 to guide you through the process.

Filing for bankruptcy without an attorney can be risky if you’re unfamiliar with legal terminology or how to properly complete the forms. That’s exactly why EZ BK was created—to give you the safest possible way to file pro se.

Our system includes a step-by-step guided process with clear instructions in plain language, plus an AI Legal Assistant available 24/7 to answer questions and help you understand each section. On top of that, a licensed attorney will review your completed documents before anything is filed, giving you an added layer of protection and peace of mind.

Most users complete the EZ BK process and forms 3-4 hours, depending on how organized their financial documents are and how complex their situation is.

EZ BK’s step-by-step system, guided by the AI Legal Assistant, makes the process much faster and easier by explaining everything in plain language and helping you fill out each section accurately. You can also save your progress and come back anytime.

No, we cannot guarantee that your bankruptcy will be approved by the court—and no one can, not even if you hire a full-service attorney. Approval depends on your specific financial situation, the accuracy of the information you provide, and whether you meet the legal requirements under bankruptcy law.

However, EZ BK gives you the best possible chance of success when filing pro se by combining AI-powered guidance, easy-to-follow instructions, and licensed attorney review before filing—greatly reducing the risk of errors that could lead to delays or dismissal.

Your privacy and security are our top priorities. All information you enter into the EZ BK system is encrypted and stored on secure servers to protect against unauthorized access.

We do not sell or share your personal information with third parties. Your data is only accessed by our internal team and the licensed attorney reviewing your documents—solely for the purpose of preparing and filing your bankruptcy.

After your bankruptcy is filed with the court, an automatic stay goes into effect immediately. This means most creditors must stop collection efforts, including phone calls, wage garnishments, and lawsuits.

The court will assign a bankruptcy trustee to your case and schedule a 341 Meeting of Creditors, which you’ll be required to attend (usually virtually or by phone). This meeting allows the trustee and any creditors to ask basic questions about your financial situation.

If everything is in order, your case will proceed toward discharge—meaning your eligible debts will be legally wiped out. Most Chapter 7 cases are discharged within 3–4 months of filing.

The timeline for debt discharge depends on the type of bankruptcy you file:

• Chapter 7: Most cases are discharged within 3 to 4 months after filing, as long as all documents are accurate and there are no delays during the process.

• Chapter 13: Discharge happens after you complete your court-approved repayment plan, which typically lasts 3 to 5 years.

You must complete two different courses:

1) Credit Counseling within 180 days before filing, and;

2) Personal Financial Management within 60 days after the creditors meeting. For joint cases, both spouses must complete both courses separately. Both courses are available online through your EZ Bankruptcy portal.

Yes, filing for bankruptcy will affect your credit. A Chapter 7 bankruptcy can stay on your credit report for up to 10 years, while Chapter 13 can remain for up to 7 years. However, many people see improvements in their credit score within 12–24 months after filing, especially if they take steps to rebuild responsibly.

You can start rebuilding your credit right away by making on-time payments, keeping balances low, and using secured credit cards or credit builder loans. Many filers find they are able to qualify for car loans, credit cards, and even mortgages much sooner than expected.

No, not all debts are dischargeable. A discharge is a court order that forgives certain specific debts and prohibits creditors from collecting discharged debts. Parties can file written requests (adversary complaints) to have the court determine if a specific debt is dischargeable.

Yes, filing for bankruptcy triggers an automatic stay, which temporarily stops most collection actions—including foreclosure and eviction.

However, this protection is not always permanent. In foreclosure cases, lenders can ask the court to lift the stay, and in eviction cases, the protection may not apply if a judgment was already issued. It’s important to act quickly, and EZ BK’s system helps you file accurately and promptly to give you the best chance at immediate relief.

Yes, you are required to attend at least one hearing called the 341 Meeting of Creditors, which usually takes place about a month after filing. This is not a courtroom appearance—it's typically a brief meeting held over the phone or via video where the bankruptcy trustee asks you simple questions about your case.

With EZ BK, you'll be guided on how to prepare for this meeting so you know exactly what to expect.

If your case is challenged—either by a creditor, the trustee, or the court—you may be required to provide additional documentation or clarification. In some cases, challenges could lead to delays or even a dismissal.

EZ BK helps minimize the risk of challenges by ensuring your documents are properly prepared and reviewed by an attorney before filing. If any issues do arise, you’ll be better prepared to respond confidently and accurately.