We're honest about our lane
ReadyChapter is not a law firm, not a bankruptcy petition preparer, and not a credit repair company. We never tell you whether to file, which chapter fits your situation, how to classify a debt, or how to complete any official form — those are questions for a licensed bankruptcy attorney. What we do is help you show up to that attorney relationship organized: documents gathered, debts inventoried, deadlines on a calendar, questions written down.
For an audience that's been hammered by predatory "debt relief" marketing, we think saying this plainly — on every page — matters more than any sales pitch.
What's here
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The free filing checklist
The documents to gather, a simplified Chapter 7 and Chapter 13 timeline, and the first five places forgotten debts hide. Genuinely useful on its own.
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The ReadyChapter Organizer
The complete organization layer for the whole case: the Master Debt Inventory Workbook, both timeline guides, 341 meeting prep, the banking transition guide, the attorney questions sheet, and a 24-month credit rebuild roadmap. $49, instant download.
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Free tools
Interactive tools that run entirely in your browser — your information stays on your device and is never sent to us.
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Guides
Plain-English articles on the logistics of the process: what to bring, what typically happens when, and how to stay organized through it.
Who this is for
People who have already made the legal decision — with an attorney or filing on their own — and now face the logistics avalanche. The fear of missing a debt. The stack of documents. The 341 meeting nobody explains. ReadyChapter exists to lower the temperature: steady, practical, zero judgment. Bankruptcy is a legal process, not a character flaw.
Deciding whether to file, or which chapter? Those are legal questions, and they deserve a real answer from a licensed bankruptcy attorney — many offer free consultations, and many districts have free legal-aid clinics. ReadyChapter picks up after that decision is made.