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.