Filing for bankruptcy alone is possible, but 99BK offers several advantages over doing it yourself. We have experience navigating the process, offer a free financial review, provide comprehensive resources and support, and offer cost-effective solutions.

There are two types of bankruptcy: Chapter 7 and Chapter 13. Chapter 7 discharges unsecured debts, but assets might need to be liquidated. Chapter 13 creates a repayment plan over 3-5 years, allowing you to keep your assets. We can help determine which Chapter suits you during a financial review.

Yes, bankruptcy will stay on your credit report for a certain period (typically 7-10 years). However, the impact diminishes over time, and with responsible financial management and credit-rebuilding strategies, you can still qualify for loans in the future.

Depending on the value of your car and your state’s exemption laws, you might be able to keep it. We can advise you on the specific options during your consultation.

The timeframe for bankruptcy can vary depending on the complexity of your case. Chapter 7 is generally faster (typically 3-4 months) than Chapter 13 (3-5 years).

We will provide you with a list of documents needed for the bankruptcy filing. This typically includes income statements, tax returns, and proof of debt.

Yes, we offer a discounted credit repair program and financial education resources to help you understand credit scores and responsible credit management practices. This will equip you to rebuild your credit score over time.

We encourage you to schedule a free consultation with our team. We can discuss your unique circumstances and answer any questions you may have.