What is Chapter 7 Bankruptcy
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Filing a Chapter 7 Bankruptcy is an option we present to clients who face overwhelming debt and need help securing a more financially stable future. It is a process whereby qualified debts are discharged and, immediately upon filing, bothersome collection calls and garnishments stop. If you, like our clients, need a way of freeing yourself from the shackles of debt and relentless collection calls, a Chapter 7 Bankruptcy can be a quick and painless method of doing so.
How quick? Typically, a Chapter 7 Bankruptcy takes three months from filing to discharge. After meeting for a free consultation to determine that Chapter 7 Bankruptcy is the right avenue to pursue your debt relief, we gather essential documents from you and create a petition to file with the court. Once the case is submitted, you will attend a meeting administered by a trustee whose role is to ask you questions and administer the bankruptcy estate. In a typical case, this is the only hearing that a client will need to attend. In fact, most clients are never in front of a judge, nor do they step foot in a courtroom. You may visit the Chapter 7 Bankruptcy Basics provided by the US Courts for more information.
How painless? While this may seem like a lot of steps, it can be much simpler than it looks, and your Chapter 7 lawyer will handle the brunt of the work to ensure what would be a challenging process is as worry-free as possible.
So, what is a Chapter 7 Bankruptcy? The answer is simple: a chance at a fresh financial start.