What do I need to use Bankruptcy Decision?

The debts; Your picture; What's driving it; Where.

Is Bankruptcy Decision free to use?

Yes — run it free in the browser playground (no API key needed for the sponsored trial, or bring any provider key), or install it into Claude Code, Cursor, ChatGPT and more via npx pm-claude-skills. MIT-licensed and open source.

Bankruptcy Decision

Q: How do I know the Bankruptcy Decision output is good?

The skill verifies itself against its own quality checks: Assesses whether the debt types are actually dischargeable; Explains the main types and what each keeps/discharges; States credit impact, recovery, and non-dischargeable debts honestly; Surfaces alternatives to weigh first.

🔵 Stable🕐 updated 2026-08-18 🔷 SkillSpec L3 pm-hardship

Think clearly about whether bankruptcy is the right move, or whether another path fits better — without shame and without a sales pitch. Use when asked should I file for bankruptcy, is bankruptcy my best option, alternatives to bankruptcy, or what happens if I file. Produces an honest read on whether your situation is the kind bankruptcy actually helps, the main types and what each does (and doesn't) discharge, the real trade-offs (what you keep, the credit impact and its recovery, what's not dischargeable), the alternatives to weigh first (negotiation, debt management, doing nothing on time-barred debt), and a strong push to consult a bankruptcy attorney — so the decision is informed, not driven by fear or a debt-relief ad. Not legal advice; centers a real attorney consult.

▶ Run it free — no key needed 📝 Grade your existing draft View SKILL.md ↗

🗣 Say this to your agent

“Should I file for bankruptcy?”“Is bankruptcy really my best option or is there another way?”“What actually happens if I file, and what do I lose?”“What are the alternatives to bankruptcy?”“I'm drowning in debt — how do I decide what to do?”

What to give it

▸The debts — rough total and types (credit cards, medical, taxes, loans — types matter a lot)

▸Your picture — income, essential assets (home, car), and what's threatened

▸What's driving it — lawsuits, garnishment, just drowning in payments

▸Where — region (exemptions and process vary by jurisdiction)

✅ The bar it holds itself to

Every skill in this library self-verifies — these are this skill's own quality checks, straight from its definition.

✓Assesses whether the debt types are actually dischargeable

✓Explains the main types and what each keeps/discharges

✓States credit impact, recovery, and non-dischargeable debts honestly

✓Surfaces alternatives to weigh first

✓Warns off predatory debt-relief; centers an attorney consult

⚠️ What it refuses to do

**Treating bankruptcy as shameful** or as a magic reset — it's neither.

**Ignoring that key debts** (taxes, student loans, support) often survive.

**Skipping the alternatives** that might fit better.

**Trusting a for-profit "debt relief"** ad over nonprofit counseling.

**Deciding without an attorney** on a legal, local matter.

Install

npx pm-claude-skills add --agent claude   # or codex · cursor · gemini · hermes
# or one-line MCP (every skill, any client):
claude mcp add pm-skills -- npx -y pm-claude-skills-mcp

Related skills

🔌 Embed this skill

Drop this on your blog, docs, or site — it renders a "Run this skill" card:

<div data-pm-skill="bankruptcy-decision"></div>
<script src="https://mohitagw15856.github.io/pm-claude-skills/embed.js" async></script>

💬 Discussion

Bankruptcy Decision is one of 1153 open-source professional AI agent skills — all SkillSpec L3. Try them all in the browser · ⭐ Star on GitHub · Browse the full catalog