How Chapter 7 Bankruptcy Works

A Chapter 7 bankruptcy is a simple way to eliminate debt. A bankruptcy discharges, or wipes out, unsecured debts, such as:

•Medical bills
•Credit card bills
•Mobile phone bills
•Personal loans

A Chapter 7 does not eliminate some debts such as:

•Student loans
•Criminal penalties
•Child or spousal support

To file a Chapter 7 bankruptcy, you must prepare papers stating all of your bills and listing all of your property. Most people filing a Chapter 7 keep all of their property. If you have a loan on a house or a vehicle, you may keep those if you agree to keep making payments.

Chapter 7 Bankruptcy

Facing bills you cannot pay is scary. Chapter 7 bankruptcy is a federal procedure to give you a fresh start so you may move on with your life. We have helped hundreds of people get out from under the pressure of debts and get their fresh start by filing a Chapter 7 bankruptcy.

If you need help or have questions, we are here to help you.

Chapter 7 Bankruptcy Qualification

Before filing a Chapter 7, we will work with you to make sure you qualify for Chapter 7. This requires the evaluation of your income and expenses. But even if you do not qualify for relief under Chapter 7, you may qualify for relief under Chapter 13.

We will work with you to determine if Chapter 7 or Chapter 13 is right for you.