Terms of use
The rules for using this site, our free filing tool, and our lawyer directory.
Last updated: November 9, 2026
By using www.bankruptcyhelponline.com (the “Site”), you agree to these terms. If you do not agree, please do not use the Site.
Not a law firm; no legal advice
Bankruptcy Help Online is not a law firm, and we are not a bankruptcy petition preparer. We do not provide legal advice, and nothing on the Site, including the self-preparation tool, its results, warnings, or worksheet, is legal advice. Using the Site does not create an attorney–client relationship with us or with any lawyer listed on the Site. Laws and court requirements change and vary by state and district. For advice about your situation, consult a licensed attorney.
The self-preparation tool
The tool organizes information that you provide and gives general information about the official bankruptcy forms. It does not decide what you should file, which chapter to choose, or which exemptions to claim. You are solely responsible for the accuracy and completeness of everything you file with a court, and for reviewing every official form before you sign it. Figures such as median income amounts and filing fees may be out of date; always confirm them with the U.S. Trustee Program, the U.S. Courts, and your local bankruptcy court.
Lawyer directory
Listings are provided for information only and may include paid advertising. A listing is not an endorsement or recommendation, and we do not verify any lawyer’s qualifications, licensing, or record. Please check a lawyer’s license with your state bar before hiring them. Any arrangement you make with a lawyer is between you and that lawyer.
Acceptable use
Do not misuse the Site. That includes attempting to disrupt it, gaining unauthorized access to it, or using automated means to copy its content.
No warranty
The Site is provided “as is” and “as available”, without warranties of any kind, express or implied, including accuracy, fitness for a particular purpose, and non-infringement.
Limitation of liability
To the fullest extent permitted by law, Bankruptcy Help Online will not be liable for any indirect, incidental, special, or consequential damages, or for any loss arising from your use of the Site or reliance on its content, including the outcome of any bankruptcy case.
Third-party links
The Site links to websites we do not control, such as government sites, course providers, and law firm websites. We are not responsible for their content or practices.
Changes
We may update these terms from time to time. Continued use of the Site after a change means you accept the updated terms.