American Debt Guide is an independent financial information resource published by MG Web Publishing, a digital marketing and web publishing operation with over a decade of experience in content strategy, SEO, and consumer-facing research. The site was built to give Americans dealing with debt and bankruptcy access to clear, accurate, state-specific information — without paywalls, sales funnels, or attorney referral fees.
What We Cover
Our content covers state-specific bankruptcy laws, debt relief strategies, credit counseling resources, and practical guides for people navigating difficult financial situations. We publish detailed guides on Chapter 7 and Chapter 13 bankruptcy, debt consolidation, and the real costs of getting out of debt — broken down by state and city. Our city-level guides cover attorney fee ranges, court locations, and filing procedures so readers know what to expect in their area.
How Our Content Is Researched
Every guide on this site is built from verified public data. We pull income limits and means test figures directly from the U.S. Trustee Program at justice.gov. Exemption amounts come from current state statutes. Court locations and filing fees are verified through uscourts.gov. Attorney fee ranges are based on published no-look fee guidelines and district-level data where available. We update our content regularly as federal and state figures change — typically every six months when new means test data is released.
Editorial Standards
We research all figures against primary government sources before publishing, including the U.S. Bankruptcy Code, state statutes, U.S. Trustee Program data, and federal court procedural rules. When laws or thresholds change, we update affected guides as quickly as possible. If you find an error or outdated figure on any page, please let us know through our Contact page — we take accuracy seriously and welcome reader corrections.
What We Don’t Do
We are not a law firm and do not provide legal or financial advice. We don’t sell bankruptcy services, refer clients to attorneys for a fee, or accept payment from law firms for placement in our guides. All content on this site is for informational purposes only. We encourage every reader to consult a licensed bankruptcy attorney or certified financial counselor before making decisions about their debt situation.
Why This Site Exists
Bankruptcy information online is a mess — most of it is outdated, generic, or designed to funnel you into a paid consultation. People facing financial hardship deserve access to clear, accurate, state-specific information without sales pressure. Every page on this site is free and always will be.