Debt Relief
Chapter 7 Bankruptcy
Chapter 7 bankruptcy, also known as “liquidation bankruptcy,” allows you to eliminate most unsecured debts and get a fresh financial start. Most people keep all their property through available exemptions.
Do You Qualify?
Chapter 7 may be right for you if:
Your income is below the Michigan median- You have limited assets or equity
- Most of your debt is unsecured (credit cards, medical bills)
- You’re facing wage garnishment or lawsuits
- You need immediate relief from creditors
Comprehensive Debt Relief Solutions
Every financial situation is unique. We offer multiple pathways to help you achieve financial freedom.
Typically Dischargeable
- Credit card debt
- Medical bills
- Personal loans
- Payday loans
- Utility bills
- Most judgments
Usually Not Dischargeable
- Most student loans
- Recent taxes (within 3 years)
- Child support/alimony
- Criminal fines
- Debts from fraud
- DUI injury claims
Chapter 7 not apply? See Chapter 13
Every financial situation is unique. We offer multiple pathways to help you achieve financial freedom.
The Chapter 7 Process
We guide you through every step of your bankruptcy case
1
No-Obligation Consultation
Meet with an attorney to discuss your situation and determine if Chapter 7 is right for you.
2
Document Gathering
We help you collect the necessary financial documents and complete required credit counseling.
3
Filing Your Case
We prepare and file your petition. The automatic stay takes effect immediately, stopping all collection activity.
4
Meeting of Creditors
Attend a brief meeting where the trustee asks questions about your finances. We prepare you thoroughly.
5
Entry of Discharge Order
Approximately 3-4 months after filing, your eligible debts are discharged and you get your fresh start.