Bankruptcy: "Can I Keep My House?" — The Question AI Answers First

Legal · 348 sites audited · March 22, 2026

61

AISO Score

42

AEO

89

SEO

72

Readability

52

Engagement

The State of Bankruptcy Websites

It's 1 AM. A homeowner stares at a stack of medical bills. They type into their phone, "can I keep my house if I file bankruptcy." The AI gives a thorough answer about homestead exemptions, Chapter 7 vs. Chapter 13, and asset protection. It links to two firms. Yours isn't there.

We analyzed 348 bankruptcy attorney websites and found an average AISO score of 61/100. SEO hit 89, AEO scored 42, engagement averaged 52, and readability came in at 72. 17% scored below 50. 27% had no schema markup whatsoever.

Bankruptcy clients carry shame and fear. They search privately. They want reassurance and clear facts before they call anyone. Firms that provide both — calmly, clearly, without judgment — are the ones AI selects as trusted sources.

Why This Matters for Bankruptcy

Bankruptcy is the most stigmatized legal topic people search for. They search alone, usually late at night, often on mobile. They won't call a firm until they understand the basics. AI is now their first source of education — and often their last before choosing a lawyer.

Chapter 7 bankruptcy is defined as a liquidation process that erases most unsecured debts within 3-6 months, available to individuals whose income falls below their state's median or who pass the means test. This is the most-searched bankruptcy term by far.

Means test refers to the income-based calculation that determines whether a person qualifies for Chapter 7 bankruptcy, comparing their income to the state median and factoring in allowed expenses. AI answers means test questions thousands of times daily.

Bankruptcy content needs a specific tone: calm, non-judgmental, and clear. Firms that write with empathy while providing concrete answers outperform those that lead with legal credentials or scare tactics.

A person filing bankruptcy at midnight needs calm, clear answers — not legal jargon or a sales pitch.

Key Findings

17%

Score Below 50

27%

No Schema Markup

21%

No Open Graph Tags

42/100

Avg AI Engine Score

Key Takeaways

Common Mistakes in Bankruptcy Websites

  1. Fear-based marketing language. — "Drowning in debt?" and "Stop creditor harassment NOW!" tones push people away. AI also skips aggressive content.
  2. No Chapter 7 vs. 13 comparison. — This is the single most common AI query in bankruptcy. Most firms don't have a clear comparison page.
  3. Missing exemption information. — State-specific exemptions determine what clients keep. AI needs these details to give accurate local answers.
  4. No means test explanation. — The means test is confusing and scary. A clear walkthrough with examples builds trust with both AI and potential clients.
  5. Ignoring the shame factor. — Content that's clinical or judgmental drives away the exact clients who need help most.

How to Improve Your Bankruptcy Website

  1. Build a Chapter 7 vs. Chapter 13 comparison page. Use a table format. Cover eligibility, timeline, asset protection, and debt types. Define both chapters in the opening paragraph.
  2. Create "Can I Keep" pages. Separate pages for house, car, retirement accounts, and personal property. List your state's specific exemption amounts.
  3. Write a means test walkthrough. Explain the test step by step with a simple example. Show what "passing" and "failing" looks like. This is one of the most confusing topics in consumer law.
  4. Set a calm, supportive tone across all content. Open with empathy. Acknowledge the difficulty. Then provide clear answers. AI recommends content that's helpful, not content that's pushy.
  5. Add FAQ schema with 15+ questions per page. Cover costs, timelines, credit impact, asset protection, and life after bankruptcy. These match the real questions people ask AI.

Dimension Breakdown

AI Engine (AEO) (30%)
42
SEO (20%)
89
Readability (25%)
72
Engagement (25%)
52

Score Distribution

AISO Score Ranges

0-9
0
10-19
0
20-29
0
30-39
24
40-49
35
50-59
50
60-69
157
70-79
79
80-89
3
90-99
0

Grade Distribution

A
3 (1%)
B
79 (23%)
C
157 (45%)
D
50 (14%)
F
59 (17%)

Frequently Asked Questions

What is an AISO score?

An AISO score is defined as a 0-100 rating that measures your website's visibility to AI search tools. It combines traditional SEO, answer engine optimization, user engagement, and readability into a single score.

What is AEO?

AEO refers to Answer Engine Optimization — making your content easy for AI systems like ChatGPT and Google AI Overview to find, understand, and cite. For bankruptcy firms, this means clear chapter comparisons, defined terms, and empathetic FAQ content.

What bankruptcy questions do people ask AI most?

The top queries are: Can I keep my house? What's the difference between Chapter 7 and 13? Do I qualify for bankruptcy? How much does it cost? Will bankruptcy ruin my credit forever?

Why do bankruptcy firms score below average in AI visibility?

Many bankruptcy sites use aggressive marketing language, lack comparison content, and skip state-specific details. AI needs calm, factual, well-structured content to build trustworthy answers.

How important is tone for bankruptcy content?

Extremely important. Bankruptcy carries stigma. People searching are already anxious. Content that opens with empathy and provides clear facts builds trust. Pushy or fear-based content drives people away.

Do I need state-specific bankruptcy content?

Yes. Exemptions, income limits, and filing procedures vary by state. AI tries to give location-specific answers, and it can only do that if your site provides state-specific details.

What single page would help my bankruptcy site the most?

A Chapter 7 vs. Chapter 13 comparison page with a table, clear definitions, eligibility requirements, and state-specific details. This addresses the highest-volume AI query in bankruptcy law.

How does AI decide which bankruptcy firm to recommend?

AI recommends sites with clear, well-structured content that directly answers the user's question. Defined terms, FAQ schema, comparison tables, and calm tone all increase your chances of being cited.

All 348 Audited Sites

Domains are partially blurred. Scores range from 0 to 100.

#DomainAISOGradeAEOSEORead.Eng.
1panda*******.com85A86998076
2fairfee*************.com82A73959273
3flor*******.com82A721008773
4life*******.com79B75999057
5wyoc*****.gov79B78839064
6lawyer**********.com78B68998964
7vtla*****.org78B64919072
8davidco************.com77B60988870
9rulon*******.com77B711008757
10bel****.com77B72997864
11losangeles****************.net76B72957961
12chorches*************.com76B75998452
13jbrl*****.com76B56989167
14michigan**************.com76B561008966
15bankru*********.com76B64948766
16doy*****.com76B60998864
17atto******.com76B641008759
18bfq***.com75B621007569
19alexs*********.com75B72978452
20nvbankru*************.com75B68978257
21hinkl********.com75B67929352
22caddel*********.com74B581008264
23noworri************.com74B60949455
24omban*******.com74B48908878
25gingold*************.com74B58979156
26foley*******.com74B68997757
27mdbankr***********.com74B561008364
28presco*********.com74B48929570
29westbr***********.com74B521008964
30springfie**************.com74B56908768
31tulsaba************.com74B64938858
32fisher**********.com74B60998459
33connecti*************.com73B48858978
34florida*************.com73B62878959
35idahoba************.com73B481008469
36shane*********.com73B521009259
37benn*****.com73B56998759
38roc***.com73B53989258
39golds*********.com73B50998371
40washington****************.com73B56798476
41bole******.com73B48958673
42lombar***********.com73B59907771
43judd*******.com73B52958866
44selle*********.com72B43928677
45bankruptcy****************.com72B50879464
46sader*******.com72B56998456
47patt******.com72B48998961
48mymaryland******************.com72B42958674
49bankruptc****************.com72B48988766
50thero*********.com72B601006869
51ash***.ms72B56908664
52vohwi*******.com72B64998447
53scott*********.com72B64996469
54hdc***.com72B62907961
55loris*********.com71B52999448
56werne********.com71B56996573
57fley*******.com71B54998357
58creel********.com71B48999553
59joef*******.com71B48998264
60indyba***********.com71B52958364
61davi******.com71B48959257
62bankruptc**************.com71B48998662
63gilch*********.com71B541008555
64sheek*********.com71B45909168
65oregon**********.com71B48978961
66david*******.com71B46948669
67rothsc*********.com71B48998662
68cobb******.com70B38899273
69nibl******.com70B46978266
70davids*********.com70B38897983
71ctbankru*************.com70B48978264
72timwe*******.com70B60957457
73jaxde********.com70B40978569
74figh******.com70B521007661
75idbank*********.com70B481009054
76ask****.com70B52858564
77detroitba**************.com70B52988159
78seuf******.com70B40999259
79mhlaw*******.com70B52808864
80ohiole*********.com70B401008664
81law***.com70B56838859
82lisa******.com70B401008864
83california****************.com69C61808652
84vanhor*********.com69C581007552
85mychicagob*****************.com69C40948469
86castl*******.com69C40989059
87swa*****.com69C48858962
88hinesba***********.com69C531008052
89grav*****.com69C52977759
90njbankr*************.com69C561007752
91nyle*******.com69C401009257
92blaloc***********.com69C48908659
93debtf*******.com69C52948751
94ohat*******.com69C481008654
95conveni*************.com69C42998959
96young*******.com69C421007769
97ron*****.com69C48879159
98skelto*********.com69C46998852
99azdebt*********.com68C40967869
100kingand*************.com68C58998242
101perezl*********.com68C481008846
102mcne******.com68C56987652
103bankruptc**************.com68C481009045
104schwart***********.com68C43899058
105farme*******.com68C42888269
106hin****.com68C60977747
107john*****.com68C40968861
108dakota**********.com68C46908957
109coles*********.com68C401009153
110allm******.com68C53998049
111coxl*******.com68C50987362
112andr******.net68C40879165
113miller*********.com68C49947959
114az***.com67C48958352
115watt*******.com67C581005661
116roth*****.com67C48957064
117iowaban*************.net67C60957840
118eoru******.com67C301008469
119sisk*******.com67C36909161
120christm*************.com67C481007950
121fre*****.com67C481007656
122ms-ba********.com67C52768559
123lasvegasb***************.co67C421008552
124losey********.net67C48887565
125ohioat*********.com67C40989645
126ok***.org67C48838657
127pacifi***********.com67C40998457
128ri-ba********.com67C46999142
129reed*****.com67C60979030
130uta***.com67C47729559
131kohn*******.com67C52838259
132pears********.com67C51907957
133baile********.com67C56947153
134dcban*******.com67C48898457
135ericw********.com66C381008453
136willi*******.com66C48978047
137wagner***********.com66C381007961
138pmc****.com66C60947540
139averyba***********.com66C401007956
140info*****.com66C40899253
141atla*****.com66C48958049
142bond******.com66C481007550
143boco*****.com66C51858452
144nhbankr***********.com66C50927951
145blos******.com66C38988355
146oklahoma*************.com66C401008948
147pacific************.com66C40988157
148bankr*********.com66C481008342
149weisber***********.com66C301008264
150mossa********.com66C50838651
151supple*********.com66C55997347
152gaud*******.com65C30978858
153lind*******.com65C58936155
154wink*******.com65C33978457
155stevec**********.com65C30948661
156mark******.com65C38948059
157buncha**********.com65C48997252
158m**.uscourts.gov65C46738562
159jame*******.com65C40999242
160randa********.com65C48939037
161joanl********.com65C481007547
162cja***.com65C45958346
163dan****.com65C40948553
164strau*********.com65C38908559
165j**.com65C71975740
166flex*****.com65C38898359
167swans*******.com65C481007844
168bankr********.com64C511006452
169bkf*****.com64C48977942
170jaffe*******.com64C49987247
171polari***********.com64C40977853
172bankruptcy******************.com64C40938649
173johns********.com64C45976459
174iowac*******.com64C38928550
175iowabank**************.net64C30988954
176bankru***********.com64C30988654
177kansasba**************.com64C38957957
178simonf*********.com64C40917757
179glm*****.com64C25949159
180greenwe***********.com64C50996553
181njla*****.com64C42938449
182vais******.com64C31908661
183tenn*******.com64C301009147
184mcdon*********.com64C28958560
185bankruptc**************.com64C38858757
186brock********.com63C331007855
187thestanle**************.com63C40958543
188harris*********.com63C35709359
189deloac***********.com63C35898552
190amy****.com63C38958247
191honolul***********.com63C30978159
192delawareb***************.com63C401007647
193thomps***********.net63C40948842
194bank******.ky63C48758847
195stuartw***********.com63C48878440
196skrupa*********.com63C30958157
197sc***.com63C38908452
198vl***.org63C43826964
199bankru*********.com63C40839147
200riban*******.net63C38958248
201mcmast*********.com63C40848847
202billm********.com63C37958347
203van****.com63C25929057
204utahba***********.com63C42958542
205mpm*****.com63C751003646
206quiebra***********.com63C40888747
207alabamaba**************.com62C32688569
208rock*****.com62C52948230
209pasadena*************.com62C281007459
210bankrup************.org62C38996855
211georgiaba**************.com62C46928137
212stein*********.com62C33977951
213all-b*********.com62C40759345
214shari*******.com62C28858957
215ghan*****.com62C40867457
216starr********.com62C40897256
217washingto***************.com62C35829547
218mcin*******.com62C281008452
219pmhu*******.com62C35898452
220wi**.uscourts.gov62C46739046
221dp***.com61C47738741
222bk***.com61C35908642
223attorney**************.com61C40858543
224goldm*******.com61C30998147
225danawi**********.com61C331008043
226sdakota*************.com61C56896047
227linc******.com61C30808557
228broadwa***********.com61C30958152
229fosterl************.com60C28979038
230hunterla**************.com60C38957047
231hanso*********.com60C40927347
232bankrup************.net60C30977452
233bentzh*********.com60C35957347
234northsh***********.com60C38978730
235bozema***********.com60C38829335
236melw******.com60C38927843
237ward*****.com60C28978643
238thoma*********.com60C35947448
239knightl************.com60C30956858
240alaska**********.com59D35827850
241r**.com59D59903459
242attorne***********.com59D40958230
243msw****.com59D46908523
244vermon***********.net59D38638951
245delgad**********.com59D401006047
246cynthi***********.com58D40787547
247rober*********.com58D20958347
248m**.uscourts.gov58D40739037
249scott*********.com58D15888459
250fresh*******.com58D35777355
251605ba********.com58D35908136
252richa********.com58D48983859
253307ba********.com58D35908136
254d**.uscourts.gov58D50706352
255iowa-ba***********.com57D35757847
256ga***.com57D48994647
257dal****.com57D40977627
258mro*****.com57D40917732
259mana*******.com57D20996857
260stei******.com56D35826947
261andr*******.com56D40837040
262attorne***********.com56D28937443
263bronso***********.com56D251006649
264vwla*****.com56D30955755
265bankruptc***************.com56D28928035
266wyoba********.com56D20957847
267peters**********.com55D35757145
268benso*********.com55D61981057
269mass*****.com55D23837750
270ccraig**********.com55D25977637
271mark******.com55D25856952
272s**.uscourts.gov55D38737937
273nodown**********.com55D15759547
274sherri*********.com55D43648730
275pt**.org54D431510052
276vog*****.com54D35985540
277mcg*****.com54D28957730
278la**.uscourts.gov53D38736642
279bcgs*****.com52D38952957
280michig***********.org52D38924347
281shim*******.com52D38905337
282pitts********.com52D28549042
283in**.uscourts.gov51D31707735
284bakk*******.com51D381002553
285ca***.com50D32994440
286belld********.com50D401004330
287l**.com50D48832252
288premierba***************.com50D35587538
289affordabl****************.com50D25795652
290chipm*******.com49F37903742
291flor******.org49F26676350
292kansa*********.com49F56951042
293os***.org49F33684555
294pri*****.com48F30904142
295c**.uscourts.gov48F38735630
296ct***.org48F44682459
297baker********.com48F33863547
298mc***.com48F66692038
299bankr********.com47F20953452
300cascad***********.com47F35943537
301rfla*****.com46F33754637
302southdak*************.com46F25685742
303westvirg**************.com46F25685642
304ferr******.com46F53991030
305maineb*********.com45F25655642
306alabam***********.com44F25783845
307newhamps**************.com44F25685042
308cha*****.com43F40901042
309best*******.com43F15873153
310missour***********.com43F25635338
311crowl*******.com43F40851540
312northdak*************.com43F25684542
313dc***.org43F32673840
314lawye*******.com42F27961050
315dickin***********.com42F20951255
316estr*******.com42F30951540
317vl**.org41F25754628
318louisian**************.com41F25684038
319newmexi************.com41F25684535
320indian***********.com40F25634038
321moll******.com40F35693823
322attorney*************.com40F15893040
323mccoo********.com40F32951037
324wiscons************.com40F25683935
325oklahom************.com39F25633242
326mississip***************.com38F25683930
327kswa******.com38F30871037
328tennesse**************.com38F25683335
329arkansa***********.com37F25633630
330debtf*******.com37F20881045
331nebrask***********.com37F25633435
332oeb***.com37F20594730
333parr*****.com37F15961042
334oneil*******.com37F30851035
335connectic***************.com36F25682138
336marylan***********.com36F25632438
337morgan*********.com36F5755917
338minneso************.info36F25682038
339ohiob*********.com35F25651740
340colorad***********.com34F25631935
341massachuse****************.com34F25681040
342pennsylva**************.com34F25681040
343illinoi***********.com33F25631040
344kentuck***********.info33F25631635
345michiga***********.com33F25631140
346washingt*************.com33F25681038
347law****.law.cornell.edu32F15751040
348virgini************.com32F25631038

Methodology

Each website was scored using AISO Studio's production scoring engine across four dimensions:

348 sites collected across US states using geographic search queries. Scores reflect the state of each website at time of audit.

How Does YOUR Bankruptcy Website Score?

The average bankruptcy website scores 61/100. Get a free audit to see where you stand and how to improve your AI search readiness.

Get Your Free Audit
← Back to all industry reports
Bankruptcy: "Can I Keep My House?" — The Question AI Answers First | AISO Studio