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LegalConsumer.com is the the place to start if you're considering bankruptcy. USEFUL TOOLS: The site features: * a free means test calculator that has served over 100,000 users over the past two years * an overview of the bankruptcy process * links to free bankruptcy forms from your local court * bankruptcy "exemptions" laws for your state, which determine what property you get to keep if you decide file for bankruptcy. * extensive links to hundreds of other useful websites, blogs, articles, and services * listings of local bankruptcy attorneys that can help you with your bankruptcy.