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Chapter 7 Bankruptcy

Chapter 7 Bankruptcy is the most common type of bankruptcy and it offers immediate relief from the burden of unmanageable debt. Chapter 7 permits you to emerge from bankruptcy without any further obligations on your debts that are discharged.

To prepare your Chapter 7 case we will review your financial affairs including, but not limited to your debts, your property interest, your current and past income, your current and future living expenses and any property that you may have transferred out of your name into someone else’s name. The bankruptcy petition that we prepare will be examined and analyzed by a Bankruptcy Trustee to determine whether any of your assets can be liquidated to pay the claims of your creditors.

Your debts will be determined, according to U.S. bankruptcy code, as to whether they are secured, priority, or unsecured. Generally, non-priority unsecured debts will be discharged, except when there are instances that disallow discharge such as fraud, misconduct, child support, fines, student loans, and some types of taxes. We will inform you as to which of your debts are dischargeable.

We will also advise you of any problems that you might expect before we file your bankruptcy petition. Once we file your case, you will attend a creditor’s meeting. This meeting will occur approximately 30 days after the filing of your case. We will attend this meeting with you and assist you in your preparation for this meeting.

Upon completion of the creditor’s meeting, we will be available to advise you until your case is concluded. Generally, absent any complications, you will not be required to attend any other meetings, depositions, or hearings. Your case will then be closed by the bankruptcy court with the issuance of an order discharging all of your debts: Discharge of Debtor.

Please contact us for further information on filing a chapter 7 bankruptcy petition.

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