Chapter 7 Bankruptcy
The fastest way to wipe out credit card debt, medical bills, and personal loans. Most cases discharge in 90 to 120 days, and we handle everything from home.
A clean slate, faster than you think
Chapter 7 erases qualifying debt completely. There is no repayment plan and nothing more out of pocket once your case is filed.
What Chapter 7 erases
- Credit card balances
- Medical bills
- Personal loans and lines of credit
- Old utility and phone bills
- Most judgments and collection accounts
- Deficiency balances after a repossession
What you keep
- Your home, if payments are current and equity is exempt
- Your car, within exemption limits
- Retirement accounts: 401k, IRA, pension
- Household goods and personal property
- The tools you need for your trade
- Public benefits and Social Security
How it works
Four steps from your first call to a fresh start. We do the heavy lifting at each one.
Free consultation
We review your debts, income, and goals over phone or Zoom. No obligation.
Means test and prep
We confirm your eligibility and prepare your petition together, start to finish.
We file
Filing triggers the automatic stay, which immediately stops calls, lawsuits, and garnishment.
Discharge
In about 90 to 120 days the court wipes out your qualifying debt for good.
Chapter 7 questions
Will I lose my house or car?
Usually not. As long as your payments are current and your equity fits within the exemptions, you keep your home and your car. We review this with you before anything is filed, so there are no surprises.
How long does Chapter 7 take?
Most cases are discharged in about 90 to 120 days from the filing date. The relief, however, starts the moment we file, when the automatic stay stops collection activity.
Will it stop wage garnishment and lawsuits?
Yes. Filing triggers an automatic stay that immediately halts wage garnishment, lawsuits, foreclosure, and collection calls.
How much does it cost?
We charge a flat fee with flexible payment plans, and many filers qualify for our $999 Chapter 7 offer. We will quote you a clear, all-in price in your free consultation.
Does Chapter 7 ruin my credit forever?
No. Many clients are back to a 720 score within about two years, and every case includes our free 7 Steps to a 720 Credit Score course to get you there.