Chapter 7 Bankruptcy

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Chapter 7 bankruptcy is what most people think of when they think of bankruptcy. It takes about

three months and it will eliminate debt such as credit cards, personal loans, 

deficiency balances on repossessed cars, most default judgments, and some utility bills.

• You don't have enough money left over at the end of the month to pay all of your bills.
• You are afraid of your wages being garnished and not having enough money to feed your family.
• You are worried about having your tax refund taken by a creditor.
• You are behind on your car payments and can't afford to keep your car. 

The moment that you file a Chapter 7 bankruptcy case, you receive bankruptcy protection, also known as an "automatic stay." Your creditors cannot take your car, garnish your wages, or take your tax refund during this time. The harassing phone calls from creditors STOP. 

With the help of an experienced attorney, you can eliminate your debt and keep all of your property in most cases. You CAN get your life back. Call us today to schedule your free consultation and see if Chapter 7 is the right option for you.