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Immediately upon filing, an "automatic stay" goes into effect, which legally prohibits creditors from calling, suing, or continuing wage garnishments against you. Non-Dischargeable Debts
As of 2026, the standard filing fee is $338 for Chapter 7 and $313 for Chapter 13 . If your income is below 150% of the federal poverty level, you may apply for a fee waiver . arkansas bankruptcy laws
Often called a "wage earner’s plan," this allows you to keep property by paying back some or all of your debt through a court-approved repayment plan lasting 3 to 5 years . It is a frequent choice for those looking to stop foreclosure or catch up on past-due car payments. Key Arkansas Bankruptcy Exemptions Immediately upon filing, an "automatic stay" goes into
Some individuals find the federal exemption list more favorable, especially if they do not own a home but have other high-value personal assets. Mandatory Filing Requirements Often called a "wage earner’s plan," this allows
All filers must complete a pre-filing credit counseling course and a post-filing debt management course from approved providers.
Individuals typically choose between two main paths based on their income and long-term goals: