Chapter 7 Bankruptcy
Chapter 7 bankruptcy provides relief to people in difficult financial circumstances-hundreds of thousands (or even millions) of people each year. Chapter 7 bankruptcy is especially helpful for people who have high unsecured debts like medical bills, credit card debt and unsecured personal loans.
In most Chapter 7 cases, the automatic stay goes into effect immediately, stopping creditors and debt collectors in their tracks.
If that sounds like the kind of breathing room you need, just fill out the form below to speak to a bankruptcy lawyer in your area.
You might have heard that it’s harder to file for Chapter 7 bankruptcy since the bankruptcy law change in 2005, but most people who hope to file for Chapter 7 bankruptcy aren’t affected by the changes. The primary difference is the Chapter 7 means test, which precludes people with too much disposable income from filing under Chapter 7. But that generally doesn’t affect people who earn less than the median income for their states, which means that most Chapter 7 bankruptcy petitioners still have the same options as they had under the old law.
By an Act of Congress and the President of the United States, we are a federal Debt Relief Agency. Attorneys and/or law firms promoted through this web site are also federally designated Debt Relief Agencies. They help people file for relief under the U.S. Bankruptcy Code.
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