Chapter 7 & 13 Bankruptcy

Chapter 7 for individuals or married couples may allow you to eliminate most, if not all, of your debts including credit card debt, debts that have been transferred to collection agencies, and debt from unpaid medical bills. One of the primary purposes of Chapter 7 Bankruptcy is to discharge debts to give an honest person a “fresh start.” Even with the changes to the bankruptcy regulations in 2005, the majority of people still qualify to file a Chapter 7.

In order to confirm that you are eligible, we offer a free consultation to determine which bankruptcy chapter is the most appropriate for you. One of the key benefits of filing bankruptcy is the “automatic stay.” The automatic stay requires all of your creditors to immediately stop all collection actions against you. This means that they can no longer harass you by telephone, or send you any additional bills in the mail. In addition, Chapter 7 may assist you in resolving the following issues: lawsuits, bank and wage garnishments, depositions in aid of execution, and license suspension. Additionally, Chapter 7 can offer relief from real estate mortgages and high car payments for properties and vehicles which you no longer wish to retain.