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Chapter 13 Bankruptcy

  • Car Facing Repossession
  • Home in Danger of Foreclosure
  • Need Time to Catch Up on Payments?
Learn more about Chapter 13 Bankruptcy

Debt Settlement

  • Severe Financial Hardship
  • Bankruptcy is a Consideration
  • Past Collection Attempts Have Failed
Learn more about Debt Settlement

Chapter 7 Bankruptcy – Eliminate Your Debt

Are you struggling with debt? You are not alone.

Millions of men and women across the country are overwhelmed with credit card debt, medical bills and mortgage debt. In fact, more than one million Americans turn to bankruptcy to eliminate their debt every year.

Chapter 7 bankruptcy is a legal process that is intended to eliminate unsecured debt, like medical bills, credit/store cards, utility bills, some personal loans, payday loans and more. This quick court process could free you from debt and give you the fresh financial start that you need.

Is filing Chapter 7 the right choice for you? Ask a Chapter 7 lawyer if bankruptcy could help you.

Complete the quick form below for a free consultation by an attorney in your area today.

Could You Benefit From Filing Chapter 7?

If you answer “YES” to any of the following questions, bankruptcy may help you:

  • Have you recently lost income?
  • Are you behind on your bills?
  • Are collectors sending you notices via the mail or phone?
  • Are you being threatened with lawsuits?
  • Are you unable to catch up on past-due bills?
  • Are you having trouble providing your family with the basics?

If you’ve answered “Yes” to one or more of the above questions, then Chapter 7 may be right for you.

Related Information About Chapter 7

Protection from Collection Efforts, Wage Garnishment and Lawsuits

In most cases, your creditors are prohibited from contacting you after filing for bankruptcy.

This process, known as the automatic stay, is designed to put an immediate stop to all creditor actions, including home foreclosure, repossession, wage garnishment and phone calls.

The automatic stay allows you to get breathing room from creditors and debt collectors and allows the court to sort out the details of your case.

Property Exemptions in Chapter 7

Many people believe the myth that if you file bankruptcy, you will be left with nothing. This is not the case.

Each state outlines rules for property that is protected from creditors during bankruptcy, which may include retirement savings, personal savings, home equity, family heirlooms and more.

Many Chapter 7 filers find that the exemption laws in their state protect everything that they own.

Learn About Your Legal Options

Millions of Americans struggle with debt each year. Many of them consider bankruptcy as a debt relief option, and more than 1 million people file for bankruptcy each year. If you’re having trouble making ends meet, you aren’t alone.

Bankruptcy laws allow many filers to break free from debt and keep their possessions out of creditors’ hands. Ask a bankruptcy lawyer about the bankruptcy exemptions in your state.

Talk to a Chapter 7 bankruptcy attorney today. Arrange your initial consultation by filling out the free bankruptcy case review form on Chapter7.com.

Chapter 7 bankruptcy lawyers can answer your questions about filing and help you get a fresh start after bankruptcy.