Chapter 7 Benefits

Reset your bills to $0.00

A typical Chapter 7 Bankruptcy is completed in just 4 to 5 months
Don't repay any of your debt

  • KEEP your job

  • KEEP your car, most often*

  • KEEP your house, most often*

  • KEEP your retirement

  • KEEP money in your bank account around $1,000

  • STOP wage garnishments even if they have already started

  • STOP repossessions

  • STOP foreclosures

  • STOP the annoying phone calls

  • STOP the calls at work

  • STOP the threats

  • STOP the collection letters in the mail

*Please note: must be current on payments when bankruptcy is filed, and continue payments after bankruptcy.

RESET the following bills to $0.00

  • Medical bills

  • Credit card bills

  • Utility bills

  • Phone/cable bills

  • Repossessions

  • Evictions

  • Pay day loans/cash advances

  • Many car accident claims

  • Tax debt to the IRS and State can be reset to $0.00 (under certain circumstances)

*Please note: student loans, child support/alimony, and tax debt within the past 3 years cannot be reset.