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Chapter 7 Bankruptcy
Chapter 7 Bankruptcy is a relatively simple, quick, and inexpensive way to free yourself from burdensome debt. When people think of a "fresh start" in bankruptcy, Chapter 7 is usually what they're thinking of.

Chapter 7 is intended for individuals who, after paying all of their ordinary monthly living expenses, do not have any money left over to make even partial payments on their unsecured debts.


Chapter 7 is excellent for eliminating most types of unsecured debts, including:
  • credit cards
  • medical bills
  • payday loans
  • personal loans
  • most civil judgments
  • delinquent utility bills
  • deficiencies resulting from repossession or foreclosure
Chapter 7 is able to stop many invasive debt collection practices, including:
  • Debt Collector Harassment
  • Lawsuits and Judgments
  • Wage Garnishments and Bank Account Levies
  • Utility Shut-Offs
Individuals who have received a bankruptcy discharge too recently or whose income is too excessive may not be eligible for file under Chapter 7.