Chapter 7 Bankruptcy: A Possible Fresh Start
When you’re falling behind, every bill and collection call can feel like you're slamming into a brick wall. Chapter 7 may offer a way to clear qualifying debts, including many credit card and medical bills. We can help you understand whether you qualify, what could happen to your property, and what relief may be available in your situation.
What About My Home?
Owning a home does not automatically rule out Chapter 7. We’ll look at its value, your mortgage balance, and the exemptions that may protect some or all of your equity. If you’re behind on mortgage payments, tell us that too, it matters when evaluating your options.
It’s one of the first questions people ask about Chapter 7. The answer depends on what you own, how much equity you have, any loans against the property, and the exemptions that apply to your case. We’ll review those details with you before you decide whether to file.
What Happens to My Assets?
Securing Your Vehicle
Many people rely on their car to get to work and care for their family. We’ll review its value, any car loan, and the exemptions that may apply, then explain what Chapter 7 could mean for your vehicle.