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FileMyOwnBankruptcy.com provides general educational information about bankruptcy law and procedures in the United States. Nothing on this website constitutes legal advice, and no attorney-client relationship is formed by your use of this site. The information provided is not a substitute for the advice of a licensed attorney. Laws vary by jurisdiction and change frequently. You should consult a licensed bankruptcy attorney for advice specific to your situation before making any legal decisions.

FileMyOwnBankruptcy.com is not a law firm and does not provide legal services. We are not bankruptcy petition preparers as defined under 11 U.S.C. § 110. We do not prepare, complete, or file any legal documents on your behalf. The Sanity Agent quiz and all other tools on this site are educational tools only — they do not produce legal documents, petitions, schedules, or any court filings.

We make reasonable efforts to ensure the information on this site is accurate and up to date. However, bankruptcy law is complex and changes frequently. Filing fees, means test income thresholds, exemption amounts, and procedural requirements vary by district and change periodically. We cannot guarantee that all information on this site is current, complete, or applicable to your specific jurisdiction. Always verify information with official sources such as uscourts.gov and your local federal bankruptcy court.

The Sanity Agent quiz is an educational tool designed to help you think through your situation and understand which bankruptcy chapter may be relevant to you. The results are based on general patterns and simplified logic — they are not a legal assessment of your case. The quiz does not account for all factors that affect bankruptcy eligibility and outcomes. Do not rely on quiz results as a substitute for professional legal advice.

This site includes links to third-party websites, including attorney directories, legal aid organizations, and government resources. We do not endorse, control, or have any affiliation with these third parties. We are not responsible for the accuracy, completeness, or availability of third-party content. Listing a resource on this site does not constitute a recommendation or referral.

This website and all content are provided "as is" without warranty of any kind, express or implied. We disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the site will be error-free, uninterrupted, or free of viruses or other harmful components.

To the fullest extent permitted by law, FileMyOwnBankruptcy.com and its operators shall not be liable for any direct, indirect, incidental, special, consequential, or exemplary damages arising from your use of this site or reliance on any information provided herein, even if we have been advised of the possibility of such damages.

This site is intended for users in the United States. Bankruptcy law varies significantly by country. If you are located outside the United States, the information on this site may not be applicable to your situation.