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It is a legal term to define the state of a person or business in which they are not able to repay their outstanding debts. In this process, various entities, usually the ones who cannot pay back their debts, file a petition in the court, demanding relief from their debts.

State laws play a major role in bankruptcy cases. There may be many prominent differences in the bankruptcy cases' outcomes, as every state has its own laws and treat cases very differently.

Types of Bankruptcy

There are many types of bankruptcy under the US Bankruptcy Code. The below three are its major types that deal with individuals and businesses:

1. Chapter 7 - This chapter is also called straight or simple bankruptcy and it lets the debtors dispose of or eliminate almost every debt such as student loans, criminal fees, child support, personal loans, payday loans, medical bills, etc.

2. Chapter 12 - In this chapter, the 'family farmers' or 'family fishermen' with regular income are provided relief from their ongoing debts. Under this, the debtors can propose their creditors about an installment repayment plan that is spread over three to five years.

Chapter 13 - In this, the debtors are allowed to retain the ownership of all of their assets, but must give some portion of their future income to repay the creditors. The future time period can be over three to five years.

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We are registered with Utah's Department of Financial Institution to provide Consumer Credit. If you submit this application via the internet to us, we will receive and process it the same as if you submitted it to us in person thereby making Utah the place of negotiation, execution and performance of all applications and/or agreement. If we approve your application, the funds will be disbursed from our account in Utah. Utah law governing consumer loan agreements may differ from the laws of the state where you reside. Applicant is responsible for complying with all statutory obligations regarding obtaining loans by internet that may exist in their state of residence. This service may or may not be available in your particular state.

CashAmericaToday does not perform any credit checks through the three major credit bureaus Experian, Equifax or TransUnion. We collect required information regarding debtors' creditworthiness from a third party source.

Approval time depends on the authenticity and verifiability of your documents. You might be requested to provide further information if required. Note that we do not approve all the loan requests. On the basis of state laws and your repayment ability, the terms and rates may vary. Any loan requested on Friday after 6:00 PM CST will be processed on the next business day which is usually Monday- unless it is a holiday.

Should you have any doubts, please call our customer support at (855) 840-5688, Monday-Thursday: 7:00 AM to 4:30 PM (CST) or email to

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