How we help
Chapter 7 bankruptcy
Chapter 7 wipes out most unsecured debt, usually in about four months, and most people who file keep their car, their household things and their retirement savings.
It's built for people whose income can't pay what they owe. You list your debts and what you own, take a short credit counseling course, and meet once with a trustee. Then the court discharges the debts that qualify, and the collectors have to stop for good.
We check whether you qualify before anything else, using your actual pay stubs, so there are no surprises later.
Debts it usually clears
Credit card debt
Medical bills
Personal loans and payday loans
Old utility bills and repossession balances
Good to know
Before you decide
What you keep
Exemptions protect a car, household goods, tools for work and retirement accounts, up to set limits. We tell you exactly where you stand.
What stays
Child support, most student loans, recent taxes and fines usually survive Chapter 7. If they're your main problem, we'll talk about other paths.
Your credit
A filing stays on your credit report for years, but many clients see their score recover sooner than they expected, because the debts are gone.
Questions about chapter 7 bankruptcy
Will I lose my car?
Most people who file Chapter 7 keep their car. If you're behind on the loan or owe more than it's worth, we'll go over your options before you file.
How do I know if I qualify?
Chapter 7 has an income test. We run it with your last six months of pay, and if you don't pass, Chapter 13 may still work.
Do I have to go to court?
Usually not to a courtroom. There's one short meeting with the trustee, often by phone or video, and we're there with you.
Talk it through with an attorney
The first meeting is free. You'll leave knowing your options and what happens next.
Our help is free for households that qualify. The court's filing fee is separate; the court can waive it or let you pay it in installments.