What we handle
Chapter 7: clear the debt and start over
Chapter 7 is for people whose income can't keep up with what they owe. You list your debts and what you own, take a short course, and answer a few questions from a trustee. Then the court discharges the debts that qualify, and collectors have to leave them alone for good.
We run the income test on your real pay stubs before you pay us anything, so you know it fits.
With us, it includes
The income test, before you hire us
Your petition and schedules, drafted by us
A lawyer at your trustee meeting
Calls to any collector who doesn't stop
Good to know
What it does and doesn't do
What goes away
Credit cards, medical bills, payday and personal loans, old utility bills and most repossession balances.
What stays
Child support, most student loans, recent taxes and court fines. If those are the main problem, we'll talk about Chapter 13.
What you keep
The law protects a set amount of your car, household things, tools for work and retirement savings.
Questions about chapter 7 bankruptcy
How long does it take?
Usually three to four months from filing to discharge, with one trustee meeting about a month in.
Will I go to a courtroom?
Almost never. The trustee meeting is short, often held by phone or video, and one of us is there with you.
Can I file again later?
You can, but there are waiting periods between cases. We'll check your dates at the first meeting.
See if Chapter 7 fits
Your first meeting is free, and you'll leave knowing your price.