# Bankruptcy Buddy

> U.S. bankruptcy information and a local document-organizing workspace in beta. Not a law firm, government service, or filing system.

## Product and boundaries
- [Guides & FAQs](https://bankruptcy-buddy.com/guides)
- [Find my court](https://bankruptcy-buddy.com/find-my-court)
- [About us](https://bankruptcy-buddy.com/about)
- [How the workspace works](https://bankruptcy-buddy.com/how-it-works)
- [Privacy & your data](https://bankruptcy-buddy.com/privacy)
- [Accessibility](https://bankruptcy-buddy.com/accessibility)
- [AI & product guide](https://bankruptcy-buddy.com/ai-guide)
- [Journal](https://bankruptcy-buddy.com/journal)

## Guides & FAQs (general legal information)
- [Chapter 7 vs. Chapter 13: the differences](https://bankruptcy-buddy.com/guides/chapter-7-vs-chapter-13): General information on how Chapter 7 and Chapter 13 bankruptcy differ: timing, protecting a home, the means test, assets, and changing a plan.
- [Keeping your home, car, and other property](https://bankruptcy-buddy.com/guides/keeping-your-home-car-and-property): General information on what can happen to a home, car, and other property in Chapter 7 and Chapter 13: equity, exemptions, and reaffirmation.
- [The means test: income limits](https://bankruptcy-buddy.com/guides/bankruptcy-means-test): General information on the bankruptcy means test: current monthly income, the state median, disposable income, and its role in Chapter 7 and 13.
- [Exemptions: what the law protects](https://bankruptcy-buddy.com/guides/bankruptcy-exemptions): General information on bankruptcy exemptions: federal and state systems, common categories of protected property, and how exemptions are claimed.
- [All 86 questions and answers](https://bankruptcy-buddy.com/guides): Plain-English answers to common U.S. bankruptcy questions, each with related official sources.
These explain how bankruptcy generally works. They are legal information, not legal advice, and do not decide anything about a person's situation.

## Published articles
- [Homebuilder confidence hits a 14-year low.](https://bankruptcy-buddy.com/journal/homebuilder-confidence-14-year-low): Builder confidence fell to 29 in October, its lowest level since 2012, as mortgage rates climbed above 7%.
- [Pending home sales hit a record low.](https://bankruptcy-buddy.com/journal/pending-home-sales-record-low): Fewer homes went under contract in September than at any point since the index began in 2001. Affordability is the main reason.
- [Keep the source close to the answer.](https://bankruptcy-buddy.com/journal/keep-the-source-close): A useful answer should help you find the original, not ask you to take its word for it.
- [On your device does not mean backed up.](https://bankruptcy-buddy.com/journal/local-storage-and-backups): A clear explanation of browser storage, downloaded backups, and what we do not store in the cloud.
- [Your first document. A place to start.](https://bankruptcy-buddy.com/journal/your-first-document): Start with one paper, not a perfect folder. Then check what the workspace finds.

## Important limitations
Public workspace access is not open yet. Documents are processed locally; live browser copies are not encrypted by Buddy. Cloud backup and a shared lawyer portal are not live. Buddy does not choose a chapter, determine eligibility, calculate legal deadlines, or file forms. Use official court sources for legal requirements. This index is a convenience, not a ranking or AI inclusion guarantee.

## Free calculators
- [Free calculators](https://bankruptcy-buddy.com/calculators): Understand your monthly budget and compare debt payoff estimates with free, private calculators. No account required. Not a bankruptcy means test.
- [Monthly disposable income](https://bankruptcy-buddy.com/calculators/monthly-disposable-income): Estimate what remains after monthly take-home income, living costs, and existing debt payments, or build it from your own pay stubs and bills. Free, on-device, not a bankruptcy means test.
- [Debt repayment](https://bankruptcy-buddy.com/calculators/debt-repayment): Compare monthly payments and interest for paying a balance over 36 or 60 months. Free debt repayment calculator. Not a Chapter 13 plan or eligibility test.
These are household-budget and fixed-rate payoff estimates, not a statutory means test or Chapter 13 plan. Inputs are calculated on-device and not placed in page URLs.

## Full reference
- [Full product reference in plain text](https://bankruptcy-buddy.com/llms-full.txt): The same dated facts as /ai-guide.