National Consumer Bankruptcy Advocates exists for one purpose: to connect individuals and families overwhelmed by debt with experienced, licensed bankruptcy attorneys who will fight for their fresh financial start.
National Consumer Bankruptcy Advocates was founded on a simple belief: every American consumer facing overwhelming debt deserves access to competent, compassionate legal representation. The U.S. Bankruptcy Code provides powerful protections for individuals and families — but navigating the system without an experienced attorney can be confusing, intimidating, and costly.
We are not a law firm. We do not represent clients or provide legal advice. Instead, we serve as a free, independent resource that connects consumer debtors with licensed bankruptcy attorneys across all 50 states. Our directory is built exclusively for individuals — people struggling with credit card debt, medical bills, wage garnishments, foreclosure threats, and the relentless pressure of creditor harassment.
The bankruptcy system was designed to give honest debtors a fresh start. We believe that fresh start should be accessible to everyone — regardless of income, location, or how much debt they carry. That is why every case evaluation on this site is free, every attorney is verified, and every piece of content we publish is written to empower consumers with clear, accurate information about their legal rights.
Our entire platform is built for consumer debtors — not corporations, not commercial creditors. If you are an individual or family facing personal financial hardship, this site was made for you.
The U.S. Bankruptcy Code (Title 11) provides consumer debtors with the automatic stay, discharge of debts, and exemption protections. We help you find an attorney who will ensure those rights are fully exercised.
We advocate for consumer debtors by providing free access to verified attorneys, publishing educational content grounded in primary sources, and never charging consumers for referrals or evaluations.
From your first search to speaking with an attorney, the entire process takes just a few minutes.
Enter your city, state, or ZIP code and select your bankruptcy type. Our directory instantly surfaces verified, licensed attorneys in your area who handle exactly your kind of case.
Browse detailed profiles showing each attorney's practice areas, years of experience, firm location, and client reviews. Every attorney in our network is licensed and in good standing in their state.
Submit your case details directly through the attorney's profile. There is no cost, no commitment, and no obligation. The attorney reviews your situation and reaches out to discuss your options.
Work with your chosen attorney to file your case and begin the legal process. Most Chapter 7 cases are resolved in 3–6 months, giving you the fresh start you deserve.
Every attorney in our directory is licensed in their state and has been verified by our team. You will never be connected with an unlicensed or unqualified practitioner.
Your initial case evaluation is completely free. There is no pressure to hire, no hidden fees, and no commitment required to speak with an attorney about your situation.
Attorneys in our network are actively accepting new clients and respond quickly to case inquiries — often within the same business day.
We focus exclusively on consumer bankruptcy — Chapter 7 debt elimination and Chapter 13 repayment plans for individuals and families facing financial hardship.
Read real reviews from past clients before you choose. Our ratings system helps you make an informed decision with confidence.
Bankruptcy law varies by state. Our attorneys are licensed and practicing in your state, so they know the local courts, trustees, and procedures that affect your case.
The two most common forms of consumer bankruptcy are Chapter 7 and Chapter 13. A licensed attorney will help you determine which path is right for your situation.
Best for individuals with primarily unsecured debt (credit cards, medical bills) and limited income who qualify under the means test.
Best for individuals with regular income who want to keep secured assets like a home or car while catching up on missed payments.
Note: This site focuses on consumer bankruptcy (Chapters 7 and 13). If you are a business seeking Chapter 11 reorganization, we recommend consulting a commercial bankruptcy firm directly.