Chapter 7 Bankruptcy
Fresh Start
Representing individuals, couples and small businesses in the filing of Chapter 7 Bankruptcy for over 40 years.
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Overview of Chapter 7 Bankruptcy Process
Chapter 7 bankruptcy, often referred to as “liquidation bankruptcy,” is designed to help individuals and families eliminate overwhelming unsecured debt and obtain a fresh financial start. It is one of the most common forms of bankruptcy and is typically completed in a relatively short period of time.
How Chapter 7 Works & Eligibility Requirements
In a Chapter 7 case, a bankruptcy trustee is appointed to review the debtor’s assets and financial situation. Most filers are able to keep all or most of their property through available state and federal exemptions. In exchange, eligible unsecured debts are discharged, meaning the debtor is no longer legally responsible for paying them.
To qualify for Chapter 7, an individual must pass the “means test,” which evaluates income and expenses to determine eligibility. Those whose income is below the applicable median or who demonstrate limited disposable income may qualify.
Who is it for?
- Individuals or married couples who pass the means test, which compares income to state medians
- Small businesses impacted by financial struggles
What Debts are discharged and what Debts are not?
Debtsusually discharged:
- Credit Card Debt
- Medical bills
- Personal loans
- Utility bills
- Old lease or contract debts
- Certain Judgement debts
Debts usually not discharged:
- Student Loans
- Support and Alimony
- Most taxes
- Court fines and criminal restitution
- Debts from fraud or intentional harm
Timeline
Most Chapter 7 cases are completed within approximately three to four months from filing to discharge, making it one of the fastest paths to debt relief.
Benefits of Filing Chapter 7
- Immediate relief through the automatic stay, which stops creditor harassment, lawsuits, garnishments, and collection efforts.
- A fresh financial start without a long-term repayment plan
- Elimination of unsecured debt.
Why Mezher Law for These Cases
Our attorneys bring decades of combined experience handling Chapter 7 and Chapter 13 bankruptcy cases. Choosing the right law firm can make all the difference. At our firm, we combine experience, strategy, and compassion to guide clients through the process with confidence and clarity.
Q&A
A: Yes, all debts must be listed in the Petition.
A: The bankruptcy stays on one’s credit for 7-10 years.
A: Many individuals can rebuild their credit within 1-2 years after filing a bankruptcy.
The Process Is Easy
Step 1
Schedule a consultation with one of our experienced lawyers
Step 2
Provide documentation to prepare the petition
Step 3
Attorney prepares petition
Step 4
Client and Attorney have a meeting and sign the petition
Step 5
Petition is filed in Federal Court
Step 6
Client and Attorney attend the Meeting of Creditors
Step 7
Discharge Order issued by the Bankruptcy Court
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