Chapter 7 Bankruptcy

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Chapter 7 bankruptcy, also called liquidation bankruptcy, is the most popular type of consumer bankruptcy (the second most popular is Chapter 13 Bankruptcy). In Chapter 7 you get rid of most or all of your debts. In exchange, the bankruptcy trustee sells off some of your property to pay your unsecured credtiors. Because the trustee cannot take any property that is exempt by law, many debtors end up keeping all or the majority of their property.

You cannot make up missed payments on secured debts in Chapter 7, so if you're behind on your mortgage payments you may still lose your home. And some debts are not discharged (wiped out) by Chapter 7, such as child support debts and most student loans. Still, for many people Chapter 7 is an excellent way to wipe the slate clean and start fresh.

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You should not send any sensitive or confidential information through this site. Any information sent through this site does not create an attorney-client relationship and may not be treated as privileged or confidential. The lawyer or law firm you are contacting is not required to, and may choose not to, accept you as a client. The Internet is not necessarily secure and emails sent through this site could be intercepted or read by third parties.

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