Chapter 7 Bankruptcy eliminates credit card debts. In fact, Chapter 7 eliminates most unsecured debts. Unsecured debts are debts that are not backed by anything. Meaning they do not have property attached as collateral.
It is our mission to ensure that you understand the power and benefits of Chapter 7 bankruptcy.
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Benefits of Chapter 7
Erases most unsecured debts: including credit card debt and medical bills.
Stops harassing phone calls from creditors.
Stops wage garnishments.
Stops lawsuits filed by creditors.
Depending on your specific situation you will most likely be able to keep your car and your home. It is more likely that you can keep your car or home if your payments are current and there is not significant equity.
Drawbacks of Chapter 7
Chapter 7 Bankruptcy cannot help you catch up on mortgage arrears or missed car payments (though Chapter 13 Bankruptcy can).
Filing for bankruptcy will affect your credit score – however, if you have already fallen behind on your debts, your score has likely already decreased.
Student loan debts are not generally discharged.
Depending on your specific case, you may still owe on some debts after bankruptcy, such as tax debts.
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