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State of California

• Eliminate medical and credit card debt

• Save your home, car, and belongings

• STOP lawsuits and collection calls

Eliminate Debt and Get a Fresh Start

Chapter 7 Bankruptcy

Chapter 7 Bankruptcy is known as "straight" bankruptcy or "liquidation." In a bankruptcy case under Chapter 7, you file a petition asking the court to discharge your debts. The basic idea in a Chapter 7 bankruptcy is to wipe out (discharge) your unsecured debts in exchange for your giving up certain property which exceeds certain limits called "exemptions". "Exempt" property is property which the law allows you to keep when you file bankruptcy. In most cases, all of your property will be exempt. But property which is not exempt is sold, with the money distributed to creditors. If you want to keep property like a home or a car and are behind on the payments on a mortgage or car loan, a Chapter 7 may not be your best choice. That is because Chapter 7 bankruptcy does not eliminate the right of mortgage holders or car loan creditors to take your property to cover your debt.

chapter 7 bankruptcy

Dischargeable Debts &

Non-dischargeable Debts

Dischargeable Debts

● Judgments.

● All collection accounts.

● Hospital bills.

● Doctor bills.

● All major credit cards debts regardless of amounts.

● Store cards and all other charge card debts.

● Pending lawsuits.

● Auto repossessions.

● Deficiency judgments on mortgage foreclosure.

● Automobile accident insurance claims against you.

● Unsecured Personal loans.

● Signature loans.

● Current unpaid rents.

● Past rents.

● Lawyer fees.

● Most taxes more than three years old.

● Qualifying student loans that are not federally granted.

● Evictions.

● Auto loans.

● Auto lease debts.

● Collateral loans.

● Phone bills.

● Cable bills.

● Utility bills of all types, past and present.

● Gambling debts.

● Unsecured debts.


● Debts you don’t list in your bankruptcy filings.

● Student loans unless repayment would cause you undue hardship.

● Child support and alimony and debts in the nature of support.

● Fines or restitution imposed in a criminal-type proceeding.

● Fees imposed by a court.

● Debts resulting from intoxicated driving.

● Taxes under 3 years old

● Recently made purchases for substantial amounts (normally 90 days prior to filing).

● Property executed contracts involving titles or liens.

We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code.


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©2023 | All Rights Reserved | Bankruptcy Law Group | Designed by Yapmedia

©2023 | All Rights Reserved | Bankruptcy Law Group | Designed by Yapmedia