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Discharge Your Debt With Chapter 7

  • Good Choice for Low or Fixed Income
  • Non-exempt Property Typically Gets Sold
  • Keep Your Vehicle
  • Keep Your Home

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Chapter 7

If you've just viewed the great "What is Chapter 7 Bankruptcy?" video, you already know that the United States Bankruptcy Code offers several different bankruptcies. Two of those bankruptcies are available to consumers, chapter 7 and chapter 13. Chapter 7 bankruptcy, which is often called straight bankruptcy, is where the debtor goes to the court and requests that his/her unsecured debts be discharged. In a Chapter 7 Bankruptcy the debtor is going to be responsible for paying for his own car and any other secured items for which they would like to keep. But they are asking that their unsecured liabilities be discharged by the court.

Chapter 7 bankruptcy typically takes from start to finish, about 180 days. And then the court grants a discharge to the debtor. Typically lower income or very fixed income people qualify for Chapter 7 bankruptcy.

If filing for bankruptcy is an opportunity for a debtor to emerge out of a financial crisis and start afresh, then Chapter 7 of the Bankruptcy Code is the way to achieve this end relatively faster. Under Chapter 7 of the Bankruptcy Code, the bankruptcy rule states that all non-exempt property of the debtor is sold and the proceeds of the same are distributed to the creditors.

In most cases where Chapter 7 is brought into force the debtor has no assets to lose, therefore the fresh start takes place relatively faster.

For more information about Chapter 7, please see Chapter 7 Bankruptcy Questions

How to Start the Chapter 7 Process

If you are ready to find out if Chapter 7 Bankruptcy can help improve your financial situation, the best place to start is our Free Case Evaluation form. Complete the form below and an attorney near you will call you to discuss your options. Bankruptcy law differs from state to state so it's important that you discuss your case with a local bankruptcy attorney. The form only takes a few minutes to complete, so get started now!

Chapter 7 and Chapter 13 Bankruptcy Help

The two most common consumer bankruptcies are Chapter 7 and Chapter 13, our sponsoring lawyers handle these types exclusively so you can be sure you are getting accurate legal advice when you file bankruptcy. Our Bankruptcy attorneys will fight to protect your rights and your property, fight the aggressive and annoying creditors for you, and they can help you keep your home, vehicles and other property.

A lawyer will be committed to getting you debt relief and providing you with valuable information, services and advice to get you a better financial future. There are many convenient locations to make filing bankruptcy or learning about the alternatives we offer, even easier.

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