Chapter 7 Bankruptcy
Get a Fresh Start
Chapter 7 bankruptcy provides a "fresh start" for clients by eliminating most forms of debt. Chapter 7 will stop the harassment of collectors, end wage garnishments and bank levies, prevent foreclosure and lawsuits, protect your vehicle from repossession, and eliminate debts.
Chapter 7 provides relief from debt while also allowing you to keep your home, vehicle, and personal property so long as your payments are current as of the time of filing.
Chapter 7 CAN discharge debt from: Credit Cards, Personal Loans, Medical Bills, most Judgments, Collections, Broken Leases, Evictions, Repossessions, Deficiencies, SSI and VA overpayments, past due utility bills, and more.
Chapter 7 CANNOT discharge debt from: Child support, Alimony, Student Loans, most Taxes, Criminal Restitution, Recovery for damage caused by Fraud or DUI/DWI.
The Chapter 7 process
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Paystubs and Debts. Bring your last 60 days of your paystubs and gather the last two years of your federal tax returns. If you bring these items, our attorneys and staff will handle the rest of the paperwork!
Meet our attorney at one of our locations. One of our attorneys meets with you to review your paperwork, answer your questions, and make sure filing bankruptcy will meet your personal goals.
Complete credit counseling courses. In order to Chapter 7 case, the court requires that you complete a brief credit counseling session. After your case is filed you must complete a financial management course. Both sessions are available online or by phone. These courses can be completed at your convenience by visiting Access Hope.
Meeting of Creditors. After your case is filed, you will need to attend a meeting with a court appointed trustee approximately 30 days after filing. The court will assign the date and time and one of our attorneys will attend with you. At this meeting the trustee will briefly review your case.
Discharge. You will receive an Order from the court Discharging your debt and closing your case approximately two to three months after your Meeting of Creditors.