Chapter 7 bankruptcy — sometimes called "liquidation" bankruptcy — is designed to give honest debtors a fresh start by discharging most unsecured debts, including credit cards, medical bills, personal loans, and certain other obligations. For many people, it's the fastest and most effective way to stop collection calls, wage garnishments, and lawsuits, and to begin rebuilding their financial life. We handle straightforward Chapter 7 filings at a transparent, affordable flat fee.
U.S. Bankruptcy Code · Chapter 7 · 11 U.S.C. § 701 et seq.
Chapter 7 allows eligible individuals to discharge most unsecured debts. Eligibility is determined by the means test, which compares your income to the median income in your state. Most Chapter 7 cases are completed in 3 to 6 months from filing.
Warning Signs
You may qualify if…
Credit card debt you can no longer keep up with
Medical bills that are piling up faster than you can pay them
Wage garnishment that's making it impossible to cover basic expenses
Debt collection lawsuits you can't afford to defend
Utility disconnection notices or threats of eviction over unpaid bills
Collection calls and letters that won't stop no matter what you do
Debt that's been growing due to interest and fees for years
Your Rights
What you may be entitled to
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Discharge (elimination) of most unsecured debts — credit cards, medical bills, personal loans
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Automatic stay — immediately stops collection calls, lawsuits, wage garnishments, and foreclosure
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Protection of exempt property (home equity, vehicle, retirement accounts, personal belongings)
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An opportunity to rebuild your credit and financial life
Chapter 7 bankruptcy filings are offered at a transparent flat fee — not on a contingency basis. We'll discuss pricing during your free consultation. Court filing fees and required pre-filing credit counseling and post-filing debtor education courses are paid separately by the client (typically $20–$50 each).
Every case is different. The outcomes described above are potential remedies available under the law, not guaranteed results. Past results afford no guarantee of future results. Every case is different and must be judged on its own merits.