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Chapter 7 Bankruptcy

Chapter 7 bankruptcy offers a fresh start to people who find themselves buried in credit card debt, medical bills and other unsecured debt. In the bankruptcy, most of those debts are discharged, which means that you’re no longer legally obligated to pay them. It also means that creditors and debt collectors can’t contact you about those debts, report them as late to the credit bureaus or otherwise bother you about them.

Some of the most common types of debt discharged in a Chapter 7 bankruptcy case include:

  • Credit Card Debt
  • Medical Bills
  • Past-Due Rent & Utilities
  • Payday Loans
  • Some Tax Debt

Chapter 7 Bankruptcy Basics

Chapter 7 bankruptcy is designed to help people crippled by unsecured debt wipe the slate clean and begin again on a more solid footing.

How Chapter 7 Bankruptcy Works

Your attorney will prepare petitions and schedules that detail your income, debts and assets for the bankruptcy court.

The court will appoint a bankruptcy trustee to oversee your case. The trustee’s primary job is to make sure that any available assets are distributed to your creditors, but most Chapter 7 filers keep all of their property. That’s because some property is exempt, meaning that it’s safe from creditors.

See if You Qualify for Bankruptcy Protection