Chapter 7 Bankruptcy Lawyer
Chapter 7 makes credit card debt, medical bills, and personal loans disappear for good. Our Chapter 7 bankruptcy lawyer makes the whole thing simple and affordable across Philadelphia and South Jersey: one flat fee, easy payment plans, and a process you can handle from your couch.
A clean slate, faster than you think
Chapter 7 wipes qualifying debt out completely. No repayment plan, nothing more out of pocket once we file, and no judgment from us (we have seen it all). We make the scary part feel manageable, for people across Greater Philadelphia and all of South Jersey.
What Chapter 7 wipes out
- 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 you are current on the mortgage and have not built up a mountain of equity
- Your car, in nearly every case
- Retirement accounts: 401k, IRA, and pension
- Household goods and personal property
- The tools you need for your job
- Public benefits and Social Security
7 Steps to Chapter 7
We do the heavy lifting at every step.
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1
Step 1 of 7
Free consultation
Phone or Zoom, zero obligation, and a straight answer about whether Chapter 7 is right for you.
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2
Step 2 of 7
The means test and your documents
We confirm you qualify and gather the paperwork. You dig up a few documents, we do the rest.
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3
Step 3 of 7
Credit counseling
A quick, required online course. About an hour.
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4
Step 4 of 7
We file
The big one. The second we file, the automatic stay slams the door on collection calls, lawsuits, and garnishment.
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5
Step 5 of 7
Meeting of creditors
A short, routine video meeting, often five minutes. We prep you so it is a non-event.
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6
Step 6 of 7
Debtor education course
One more quick online course, then you are basically done.
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7
Step 7 of 7
Discharge
About 90 to 120 days after filing, the court wipes your qualifying debt out for good. Fresh start.
We will help you get to a 720 credit score
It will not take long to rebuild your credit because we give you the tools to do it. 7 Steps to a 720 Credit Score is a free bonus course, included with your case, that can get you to a 720 credit score in under two years.
Follow the steps and you could be back to a great score in no time: qualifying for low-interest cards, saving thousands on car and home loans, and never again dreading a credit check from a landlord or employer.
Chapter 7 questions
Do I qualify for Chapter 7?
Most people do. A quick "means test" compares your income to the median for your household size in Pennsylvania or New Jersey. If you are under it, you qualify, and even if you are a little over, there are still ways to file. We check this for you, for free, before anything happens.
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.
Can I file from Philadelphia or South Jersey without coming in?
Yes. We handle everything over phone and Zoom, from your first call through your filing. You never have to set foot in an office, wherever you are in Greater Philadelphia or South Jersey.
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.