Chapter 7 bankruptcy
Chapter 7: unsecured debt cleared in about four months, for one flat fee
Chapter 7 wipes out debts that aren't tied to property, like credit cards and medical bills. It fits most people whose household income is under the limit for their family size, and we check that on the first call.
What it clears
Credit cards and store cards
Medical and ambulance bills
Payday and personal loans
Old judgments and repossession balances
What it doesn't
Most student loans
Child support and alimony
Recent tax debt
What usually stays yours
Exemptions protect a set amount of equity in your home, a car, household goods and retirement accounts. We list yours, item by item, before you decide.
Chapter 7, answered
How long until it's over?
Most cases end with a discharge about three to four months after filing. Collection calls stop the day we file.
What is the meeting of creditors?
A short meeting, often by phone or video, where the trustee asks you a few questions under oath. Your lawyer prepares you the week before and is there with you.
Can I file again later if I need to?
Yes, after eight years for another Chapter 7. A Chapter 13 can come sooner.
Find out if Chapter 7 fits you
Thirty minutes on video, free, with a written fee quote at the end.