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Ready to start the bankruptcy process? Have questions regarding a potential bankruptcy? Contact us! 

What is Chapter 7 Bankruptcy? 

This is the most common type of bankruptcy, especially for consumers! This process involves a liquidation which will have all your debts ERASED!. 


How Does Chapter 7 Bankruptcy Work? 

During the process, a trustee is appointed and they will collect and sell all of your non-exempt assets.  

When the trustee sells the assets they are responsible for distributing the assets to you (for any amount exempted), the creditors, and a commission to themselves. 

Once this happens your attorney will take it from there, you will have to attend a hearing (remote at the moment) and your debts will be clear! 


Chapter 7 vs Chapter 13 

Chapter 7: a liquidation solution that eliminates most unsecured debts such as credit cards and medical expenses. Bankruptcy reform has called for more qualifications before an applicant can apply for chapter 7 bankruptcy, but we do our best to ensure our clients are able to proceed! 

Chapter 13: restructures your debt rather than erasing it. Chapter 13 requires that you pay a portion of that debt over the life of the bankruptcy. 


Advantages of Chapter 7 Bankruptcy 

1. Protection against collection efforts, wage garnishment, foreclosure, eviction, and utility shut-off. 

2. From the date of filing on, moneys earned and assets acquired are not subject to the bankruptcy. 

3. Clean slate except for secured debts which are not dischargeable in bankruptcy. Find a list of examples of secured debts HERE. 

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Let's Work Together

The first step in our bankruptcy process is for potential clients to fill out our inquiry form. Once you fill out this form our office will reach out with more information. Don't worry the inquiry form does not require any personal information! 

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