Find a Local Chapter 7 Attorney
If you’re considering whether bankruptcy is an option for you, you probably have questions. How soon can you file bankruptcy? How long will it take? Do you qualify for Chapter 7?
Get the answers to your questions by speaking a Chapter 7 attorney near you. Click your state below to find attorneys in your area and arrange a free consultation today.
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Considering Bankruptcy? Talk to an Attorney Today
An attorney can examine your case and help you decide whether a Chapter 7 will eliminate your debt.
Click on your state above to connect with an attorney. Or fill out our free bankruptcy evaluation form.
Sponsoring lawyers are standing by. Get the answers you need to make the right decision.
Ask a Lawyer if You Can File a Chapter 7 Petition
There are some restrictions to who may file Chapter 7 bankruptcies.
However, most people who have unsecured debt and not enough income to cover the bills are allowed to file.
Secured Debt versus Unsecured Debt
Unsecured debt is defined as debt that is not tied to or “backed” by property. Unsecured bills include:
- credit card bills
- medical debt
- utility bills
- payday loans
- signature or personal loans from a lender, and more.
Secured debt is generally described as debt that is tied to an asset. For example, mortgage notes are secured debts because they are “backed” by a house.
If you have secured debt and you don’t want to potentially lose the assets associated with it (like your home, Chapter 13 bankruptcy may be a better option for you.