Chapter 7

File Chapter 7 bankruptcy — a clean slate, a fresh start
Under Chapter 7 Bankruptcy, often called a "fresh start bankruptcy," the bankruptcy court eliminates debt, discharging certain unsecured debts altogether. If you are eligible for a Chapter 7 bankruptcy, your credit card debt and medical bills may be wiped out entirely, allowing you to start with a clean slate.

How long does a Chapter 7 bankruptcy take?
The whole process usually takes three months. As soon as your bankruptcy case has been filed, we are able to stop the harassing phone calls and other creditor tactics. Your bankruptcy filing will stop foreclosure, repossession and wage garnishment.

What about my car and my house?
In most situations you can file a chapter 7 bankruptcy and still keep your house and your car. Our attorneys specialize in saving your assets while getting rid of your debt.

What debts do I have to pay after a Chapter 7 bankruptcy?
Your attorney will explain what debts cannot be discharged under Chapter 7 rules. Debts you must pay after a bankruptcy may include school loans, court-ordered fines and some back taxes.

Will a Chapter 7 bankruptcy ruin my credit rating?
Consumers often find that completing a bankruptcy results in an improved credit rating.

What if I don't qualify for a Chapter 7 bankruptcy?
If you have a good income, but are unable to make your payments, you may be eligible for a Chapter 13 bankruptcy, a reorganization and possible reduction of your debts. Go to our Chapter 13 section for more information.