— WELCOME, TRAVELER —
THE BANKRUPTCY TRAIL
Wagons leave daily for the Land of the Fresh Start. Answer the questionnaire, and an Arizona or Washington bankruptcy attorney reviews your case and lays out your options for the road ahead.
Free consultation · Affordable, flat fees · Payment plans · Arizona & Washington
No payment, no obligation. Takes about 10 minutes.
What we can stop
- Stop wage garnishments. Filing invokes the automatic stay, and garnishment of your paycheck stops.
- Stop the creditor calls. Collectors must deal with your attorney, not you. The phone goes quiet.
- Stop repossession. Keep the wagon rolling — the stay halts repossession of your vehicle.
- Stop foreclosure. A Chapter 13 filing stops a scheduled sale and lets you catch up on arrears.
- Stop lawsuits and levies. Pending collection suits, judgments and bank levies are frozen.
- Stop the sleepless nights. One plan, one path, and someone who knows the trail walking it with you.
Two roads to the fresh start
THE FAST ROAD
Chapter 7 — the clean sweep
- Wipes out credit cards, medical bills, personal loans and most other unsecured debt.
- Usually finished in about 3–4 months from filing to discharge.
- Exemptions protect your home, vehicle, retirement and household goods in most cases.
- For households whose income is under the applicable median, or who pass the means test.
THE STEADY ROAD
Chapter 13 — the catch-up plan
- One affordable monthly plan payment for 36–60 months, then the balance is discharged.
- Catch up on mortgage arrears and keep the house — stops a foreclosure sale.
- Protects non-exempt equity and can reduce some car loans and tax debt.
- For higher income, recent filers, or anyone who needs time to save the wagon.
Not sure which road is yours? That is exactly what the questionnaire and the attorney review are for.
How the trail runs
- 1Fill out the questionnaire. Plain questions about income, debts, property and what is worrying you most. Ranges are fine — no documents needed to start.
- 2Get your rough snapshot. You see a ballpark read on Chapter 7 vs Chapter 13 right away. Rough ballpark — for your attorney’s review, not a determination.
- 3An attorney reviews your case. A licensed Arizona or Washington bankruptcy attorney reads your whole intake — income, exemptions, equity and any red flags.
- 4You get your options. A free consultation by phone or video, your real choices explained, flat fee quoted up front, payment plans available.
- 5Ride to the fresh start. We file, the automatic stay goes up, and the firm handles the creditors from there.
A full-service Arizona bankruptcy lawyer & Washington bankruptcy lawyer
Majors Law Group, P.C. is a full-service bankruptcy law firm serving all of Arizona and Washington — Phoenix, Mesa, Tempe, Scottsdale, Chandler, Glendale, Gilbert, Tucson, Flagstaff, Yuma, Seattle, Tacoma, Everett, Spokane, Vancouver, Bellingham and every county in between. Affordable flat fees, payment plans, and a free consultation before you owe anything.
✓ Chapter 7 bankruptcy
✓ Chapter 13 bankruptcy
✓ Garnishment defense
✓ Foreclosure defense
✓ Vehicle repossession
✓ Creditor harassment
✓ Judgments & bank levies
✓ Medical debt relief
✓ Credit card debt relief
✓ Tax debt in bankruptcy
✓ Student loan hardship review
✓ Small business debt relief
✓ Means test analysis
✓ Exemption planning
✓ Debt settlement alternatives
✓ Credit rebuilding after discharge
Call or text 855-603-3300 · majorslawgroup.com
Online & AI-assisted bankruptcy help
Looking for an AI tool to help with bankruptcy — or an online service near you?
You are in the right place. This is a free, AI-guided bankruptcy questionnaire that works on your phone, at whatever hour you are actually awake to deal with it. It sorts your income, debts, property and legal deadlines into the same picture a bankruptcy attorney builds — then a real attorney reads it and tells you what is possible. No sales pitch, no credit check, no obligation.
AI does the paperwork thinking
Plain questions instead of federal forms. It handles the means test math, the median income comparison and the property exemptions in the background.
A licensed attorney reads it
Software never decides your case. Every submission is reviewed by a bankruptcy lawyer before you hear a recommendation.
Handled online, start to finish
Phone or video consultations, electronic documents, e-signatures. You never have to sit in a waiting room to get answers.
Is there an AI tool that can tell me if I qualify for bankruptcy?
Yes — this one. The Bankruptcy Trail asks the same questions a lawyer would ask at a first meeting, then instantly gives you a rough read on Chapter 7 versus Chapter 13, your income against the median, and what property looks protected. It takes about ten minutes, costs nothing, and does not touch your credit.
Are AI bankruptcy tools accurate?
They are only as good as the review behind them. Software can do the math on income, debts and equity, but exemptions, timing and local court rules decide real cases. That is why everything you enter here is read by a licensed bankruptcy attorney before anyone tells you what to do — the AI does the sorting, the attorney makes the call.
Can I file bankruptcy online instead of going to an office?
For most people, yes. Documents are gathered and signed electronically, and your consultation happens by phone or video. If your case needs a court appearance, your attorney tells you exactly when and where — and most meetings of creditors are now held remotely.
I searched “bankruptcy help near me” — do you cover my area?
Cases are referred to attorneys licensed in Arizona and Washington. If you live outside those states you are still welcome to run the questionnaire for a free, educational read on your situation — we will be straight with you about what we can and cannot do.
What does it cost to find out where I stand?
Nothing. The questionnaire is free, the attorney review is free, and the consultation is free. Payment plans are available if you decide to move forward with filing.
Rather talk to a person? Call or text 855-603-3300 for a free consultation.
Register to start your free eligibility questionnaire
Please read before registering
This platform is owned and maintained by Bankruptcy.ai. Bankruptcy.ai and The Bankruptcy Trail are not law firms and do not give legal advice. The platform gathers information and forwards it to attorneys licensed in your state of filing.
Your information is properly secured and is SOC 2 compliant. This site exists solely to assist those seeking bankruptcy relief in gathering information to determine eligibility.
By engaging with this site you understand that no attorney-client privilege is created by working with this site.
This site exists to take the stress out of hard money
It is built for individuals and families — not corporations. If the mail is piling up unopened and the phone makes your stomach drop, you do not have to figure this out alone. Answer the questions, let an attorney read it, and find out what is actually possible. When we can help, we will tell you. When something else is the better road, we will tell you that too.
Prefer to talk first? Call or text 855-603-3300 for a free consultation.