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As area individuals face the ever-changing economy, with threats of lay-offs, constantly increasing debt and often continuous creditor harassment, it is easy to become completely overwhelmed and think there is no way. However, there is a solution through Bankruptcy. One of the main purposes of Bankruptcy is to Discharge or erase certain debts and to give an honest person a financial "fresh start."


Chapter 7 Bankruptcy is a Liquidation Bankruptcy Chapter. In a Chapter 7 Bankruptcy, individuals are able to discharge virtually all debt obligations, such as:

  • Foreclosures on real property and mortgages you do not want to keep;

  • Repossession deficiencies and vehicle loans you do not want to keep;

  • Credit cards;

  • Medical bills, including hospital and doctors fees;

  • Loans -Bank loans, credit union loans, finance company loans, payday loans, personal loans, etc;

  • Back rent, telephone and utility charges in the arrears;

  • Attorneys, legal and sometimes Court fees;

  • Overdrafts and deficiency balances on bank accounts;

  • Storage fees, leases and rentals;

  • Record or book clubs;

  • Most business debts, and;

  • Most debts owed due to a car accident.;


In a Bankruptcy, you are able to include debts that you have not paid for 10, 20 30 or more years, and those debts that are only a week old. Under a Chapter 7 Bankruptcy the debtor has no liability for Discharged debts. The Discharge releases individual debtors from personal liability for most debts and prevents creditors from harassing the debtor and from taking any other collection actions against the debtor. Chapter 7 Bankruptcy is however, subject to some exceptions and therefore the individual debtor should consult an experienced Bankruptcy Attorney at FAMILYLEGAL before filing to discuss all of the various qualifications, time limits, exceptions and filing steps that must be completed.


Unless a party in interest files a Complaint objecting to the Discharge or a files a Motion to Extend the Time to Object, the Bankruptcy court will typically issue a Discharge Order in about 100 days from the date of filing. 




A Chapter 7 Bankruptcy case usually results in a Discharge of debts. However, this is not absolute, and some types of debts cannot be Discharged. The U.S. Trustee's Office appoints an impartial Trustee whose job it is to administer the case and liquidate the debtor's nonexempt assets. It is important to provide any and all financial records or document that the Trustee requests.


To properly determine if a Chapter 7 Bankruptcy is the correct option, you should immediately contact an experienced Bankruptcy Attorney at FAMILYLEGAL. If you are looking for a solution to overwhelming debt, look no further.


By filing a Chapter 7 Bankruptcy you are able to immediately:



  • STOP Harassing collection calls

  • STOP Foreclosure actions

  • STOP Repossessions

  • STOP Wage garnishments

  • STOP Law suits & Court appearances

  • STOP Bill & collection actions

  • STOP Property attachments

  • STOP Feeling overwhelmed


However, even with the considerable benefits, many people considering Bankruptcy are afraid take the first step because they fear they may risk losing their assets and personal possessions. Please know that most people that file for Bankruptcy keep all of their assets.


Indeed, you could:



  • KEEP Your home

  • KEEP Your car & motorcycle

  • KEEP Your modest bank accounts

  • KEEP Your retirement accounts (pensions/401k/IRA)

  • KEEP Your personal property and possessions

  • KEEP Your Recreational vehicles

  • KEEP Your sanity and dignity

If you are considering Bankruptcy please feel free to Contact Us and speak with one of our experienced Bankruptcy Attorneys.  We will listen to your story, answer your questions, discuss your options, and get you started in the right direction.

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