AI search for bankruptcy lawyers

The questions bankruptcy clients ask

• Should I file Chapter 7 or Chapter 13?
• Will I lose my house or my car if I file?
• Do I qualify for Chapter 7 under the means test?
• Can bankruptcy stop a foreclosure or a wage garnishment?
• What debts does bankruptcy not wipe out?
• How much does it cost to file, and can I pay over time?

We cover how firms earn citations for these questions in how bankruptcy firms get cited by AI.

Federal law, state exemptions, district rules

"Will I lose my house?" turns on exemptions, and exemptions turn on the state. Under 11 U.S.C. 522(b), a debtor may choose the federal exemptions in subsection (d) unless the applicable state law specifically does not authorize them. North Carolina opts out: G.S. 1C-1601(f) says the federal exemptions in 522(d) are not applicable to residents of the state, and the state's own exemptions apply instead. Florida does the same in section 222.20, Florida Statutes. A national page that walks through the federal exemption list gives a reader in either state the wrong answer.

Procedure is local too. Under Federal Rule of Bankruptcy Procedure 9029(a)(1), each district court may make and amend rules governing practice and procedure in bankruptcy cases, so filing details can differ between districts in the same state. The means test is another moving piece: the U.S. Trustee Program's means testing page posts updated median family income data from the Census Bureau, most recently for cases filed on or after April 1, 2026. A page that copies those figures goes stale; a page that links to the official table stays accurate.

The North Carolina guide and the Florida guide show how each state's advertising rules apply to the rest of a firm's pages.

Pages we build for bankruptcy firms

• Chapter 7 and Chapter 13 pages written for your state's exemptions and your district
• Exemption explainers for the home, the car, and retirement accounts, with the state statute cited
• Means test pages that link to the U.S. Trustee data instead of copying figures
• Foreclosure and garnishment pages that explain what filing does and does not change
• Answer posts for the questions people ask before they call anyone

Each page follows the answer-first approach in AI SEO for lawyers, with the honest answer first and the conditions right behind it.

Advertising care points

Bankruptcy has a federal advertising rule that most practices do not. Under 11 U.S.C. 528(a)(3) and (a)(4), a debt relief agency must clearly and conspicuously disclose in advertisements of bankruptcy assistance directed to the general public that the services relate to bankruptcy relief, and must use the statement "We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code." or a substantially similar one. Section 528(b)(2) extends the duty to ads that offer help with foreclosure, eviction, excessive debt, or debt collection pressure. In Milavetz, Gallop & Milavetz v. United States, decided March 8, 2010, the Supreme Court held that attorneys who provide bankruptcy assistance to assisted persons are debt relief agencies.

Put the disclosure where it applies, including pages built around debt relief rather than the word bankruptcy. State rules still apply on top: North Carolina Rule 7.1 treats a statement likely to create an unjustified expectation about results as misleading, so "keep everything" is a line to avoid. Business owners facing debt often have entity questions as well; route those to your business law pages if your firm takes them.

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