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Chapter 7 Bankruptcy!
What is Bankruptcy?
Bankruptcy is a legal process for solving debt problems and getting help with your creditors. There are two types of bankruptcy for most consumers. The first is Chapter 7, also known as liquidation. This allows people to wipe out most consumer debt without paying anything back. The second is Chapter 13, also known as reorganization. This requires that a portion of debt be repaid. We only prepare Chapter 7 bankruptcy documents.
What Kind of Debt Can Be Erased?
medical bills
credit card bills
personal loans
pay-day loans
miscellaneous accounts (cable bills, cell phone bills)
lawsuits (unless based on fraud)
judgments (unless based on fraud)
car repossession deficiency balances
How Long is the Bankruptcy Process?
It depends on the type of bankruptcy filed. Chapter 7 takes approximately six months. Chapter 13 takes three or five years. This begins with the filing of the case. This ends with the issuance of the discharge. The discharge is the close of the bankruptcy case. See our bankruptcy timeline for details.
How Much Does Chapter 7 Bankruptcy Cost?
This depends on if you pay to have your documents prepared or hire an attorney for full representation.
Attorneys typically charge between $1,000-$2,500 to prepare your case, file your case, and represent you at your hearing(s). This is a estimated range and varies by attorney. The price varies based on a number of factors, including difficulty of your case.
