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Chapter 7 is the number one bankruptcy chapter filed in the United States and is commonly known as liquidation bankruptcy. Through liquidation consumers are able to discharge (get rid of) most debts generally acquired by consumers (i.e. credit cards, medical bills, lawsuits, etc…). However, there are also some debts that are non-dischargeable (i.e, student loans, taxes for the past three years, lawsuits when they are based on fraud, etc…). This is why it is important to have an attorney to guide you through the process.

Chapter 7 was enacted by Congress to protect the people’s right to live free of debt. We all want to have access a credit card, purchase a house or a car, and live the American Dream. Unfortunately, some times the individuals suffer financial downturns which make it difficult to make even the minimum payments and the once manageable financial plan falls into a financial disaster resulting in higher interest rates, higher monthly payments, default in payments, penalties, etc. When this happens, it is time to seek the advice of a professional to evaluate if the filing for Bankruptcy Chapter 7 is a viable alternative. You don’t have to do it alone, we are here to help you when you are in financial trouble

One of the primary purposes of bankruptcy is to discharge certain debts to allow the debtor a "fresh start." Chapter 7 Bankruptcy allows the debtor to discharge his debt without the need to re-pay any amount if he qualifies. Chapter 7 allows the discharge of debt to individual only. Partnerships or corporations do not qualify for this type of relief. 11 U.S.C. § 727(a)(1). In addition, while a Chapter 7 usually results in a discharge of debts, the right to a discharge is not absolute. Some types of debts are not dischargeable. You need to consult with a professional to review your case and provide the best alternative to your personal and unique situation. We are here to assist you.

If you believe that you are unable to manage your financial situation, call us for a FREE consultation in our office. We can help you protect yourself and your family, even from harassing creditors so that the moment you hire our services you may be able to freely answer your telephone. We have comprehensive payment plans and caring members of our office willing and ready to help you. Initial down payment is only $300.00.