Chapter 7 Bankruptcy
Get the fresh start that you deserve
End the harassing phone calls.
Prevent your home from going into foreclosure.
Protect your car from being repossessed.
Stop wage garnishments and levies.
Prevent lawsuits.
Eliminate debts.
Chapter 7 bankruptcy is the "fresh start" form of bankruptcy involving the elimination of all or a portion of debt. Certain debts cannot be eliminated such as child support, alimony, student loans and most taxes. Most individuals are concerned with keeping their home, vehicle and personal property; generally, as long as there is little equity and any loan payment is current you will be allowed to do so. The costs associated with filing a Chapter 7 bankruptcy are court filing fees, credit counseling fees and attorney fees.
Our attorneys focus on protecting your most valuable possessions — your home, your vehicle and your personal property — from foreclosure and repossession. Our attorneys have more than 70 years of combined experience handling bankruptcy cases and have helped thousands obtain the relief they needed. Let us help you get back on your feet and put an end to your financial problems.
Chapter 7 bankruptcy overview
- Contact Jeff Field & Associates to schedule a free initial consultation.
- Prepare you paperwork before coming in for your consultation. Visit our Getting Started page and fill out all appropriate forms before coming in for your consultation.
- Initial Consultation. An attorney meets with you to review your paperwork and determines which form of bankruptcy is right for you.
- Complete credit counseling courses. Prior top filing your Chapter 7 case you must complete a credit counseling session and after your case is filed you must complete a financial management course. Both sessions are available online or by phone. Our firm relies on National Financial Literacy Foundation for the credit counseling session and Financial Education Services for the financial management course.
- Meeting of Creditors. Approximately one month after your case is filed, you and one of our attorneys will attend a hearing called the Meeting of Creditors. At this hearing the Chapter 7 Trustee will briefly review your case.
- Discharge. Approximately 2-3 months after your meeting of creditors you will receive an Order of Discharge from the Bankruptcy Court.
Frequently asked questions
Under the Bankruptcy Abuse Prevention and Consumer Protection Act, in order for a debtor to qualify for Chapter 7 bankruptcy, that applicant must pass a "means test". Basically, it is the first determination as to your eligibility to file a Chapter 7 bankruptcy.
What are some types of debt which can be discharged in a Chapter 7?
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What are some types of debt which cannot be eliminated in a Chapter 7 bankruptcy?
Some examples are:
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Sometimes recently incurred credit card debt cannot be discharged.
How long does a Chapter 7 case last?
A Chapter 7 case usually takes four to five months to complete.
How long does a Chapter 7 bankruptcy remain on my credit report?
A Chapter 7 bankruptcy will remain on your credit report for ten years from the date of filing.
Take control of your finances and reclaim your life
Call Jeff Field & Associates at 404.381.1278 or contact the firm online to schedule an initial consultation. From offices conveniently located in Scottdale, Athens, Douglasville, Lawrenceville, Marietta and Gainesville, Jeff Field & Associates is able to serve clients throughout the Atlanta metropolitan area, including Decatur, Buford, Loganville and Dallas.
