Bankruptcygives to the honest but unfortunate debtor . . . a new opportunity in life and a clear field for future effort, unhampered by the pressure and discouragement of pre-existing debt.”

- US Supreme Court

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A Fresh Start
Chapter 7 bankruptcy is the most common type of bankruptcy and completely eliminates your dischargeable debt forever.  Individuals who are granted Chapter 7 bankruptcy have proven to the court that they have no realistic way to repay their debt -or even a decent portion of their debt- over the course of the next three to five years.  When individuals are granted a discharge in Chapter 7, the debtor is legally excused from having to repay any unsecured debts, and most debtors are able to keep all all of their assets, including their home, cars, retirement accounts, and even cash. 

Chapter 7 Timeline

The following flowchart represents the course of a typical Chapter 7 Bankruptcy case from the initial client interview through discharge. Most Chapter 7 Bankruptcy Cases take between three and a half to five  months from filing until discharge. Case complexities and other variables may lengthen the process.

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