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Chapter 7 Bankruptcy Basics

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Discharge of Debts

Filing a Chapter 7 bankruptcy petition for relief under the Bankruptcy Code should result in the complete discharge of your eligible unsecured debts and allow you to keep your stuff. Call us toll free at 1-877-963-9543 or submit your information right now on our website. The most common unsecured debts are credit cards and medical bills. To get rid of burdensome debts and stop the harassing phone calls, schedule a free consultation with our experienced Chapter 7 bankruptcy lawyers in Fremont. During the free consultation we will be discussing your income, expenses and assets to find out if bankruptcy is right for you.

See the Chapter 7 Bankruptcy Timeline for more information about get rid of burdensome debts from Chapter 7 bankruptcy.

If you are current with your mortgage payments and car payments and file under Chapter 7 of the Bankruptcy Code there should be no reason why you cannot keep your home or your car. Just continue to make the monthly mortgage payment and car payment after the bankruptcy case is filed. What about your stuff? California has generous exemptions to protect the stuff you own such as your car, money in bank accounts, household goods, jewelry and tools of trade and retirement accounts.

At West Coast Bankruptcy Attorneys we value each client and know that this is a difficult time. The stress of burdensome debts can be overwhelming. That is why we try and make filing for debt relief from bankruptcy as easy and stress free as possible. We will provide you with easy the read checklists and clear instructions every step of the way to make sure you know what is next and what to expect.

One of the most powerful parts of filing bankruptcy is the automatic stay. As soon as a bankruptcy petition is filed the automatic stay takes effect stopping all collection actions including foreclosure, repossession, lawsuits, garnishment, bank levies and harassing phone calls. If a creditor continues to attempt to enforce a debt after the case is filed sanctions can be requested depending upon the circumstances. A typical Chapter 7 bankruptcy case usually takes from three to four months. The 341 meeting of the creditors is usually scheduled a month after the bankruptcy petition is filed. After the conclusion of the meeting of the creditors, the Court will enter the order discharging your debts in about two months.