Chapter 7 is quick and easy. The case is open for an average of only 3 months. All of your qualified debt is discharged immediately and in most cases, you keep all of your property.
Here's how it works.
We see several Chapter 7 case that are not filed with a MyBankruptcyTeam attorney where a mistake by an attorney or unrepresented debtor results in debtors losing their vehicles, bank accounts, wages, and homes. Mistakes can also lead to dismissal and denial of discharge.
Prepare to File - After You've Hired Us
After Filing the Case
After the 341 Hearing
A Chapter 7 case requires great attention to detail. We will help you through the process and make sure your debts are discharged and your case is closed without any issues.
Find out what property you can keep and still discharge your debts. You'll be surprised, most debtors lose nothing at all.
The very moment your bankruptcy case is filed, creditors are frozen. They cannot take any collection action against you.
While most of your debt will be discharged in bankruptcy, it is important to know that certain types of debt cannot be discharged and must eventually be repaid.
Generally, if you earn more than the state median income for your household size, you can't file Chapter 7. Find out how we can help you qualify.
In both Chapter 7 and 13, you will have the option to keep your vehicle loans and mortgages. There are certain limitations, but generally, if you can afford to stay in the loans, you have the option to do so.
Because of the automatic automatic stay, we can stop creditors. If we file before your payday, the garnishment money is yours. If we file before a repo, you may keep the car.