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Chapter 7

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Chapter 7 Bankruptcy

Chapter 7 Bankruptcy in San Diego

The attorneys at San Diego Bankruptcy Bulldogs help consumers free themselves from the burden of overwhelming debt and start over with a clean slate through the help and protection afforded by a Chapter 7 bankruptcy proceeding. Before filing a Bankruptcy you should always meet with a qualified attorney to consider all your options. With Chapter 7, you can wipe out your credit card debt, lawsuits, mortgages, medical bills and more.

In a Chapter 7 bankruptcy, also known as “liquidation”, allows you to eliminate almost all of your debt without having to pay your creditors. Once those assets have been sold and the proceeds disbursed, any remaining debts are discharged by the bankruptcy court. The debtor emerges from the bankruptcy virtually debt-free, ready to make a fresh start.

A common misconception is that people have to sell off everything own before they can receive a discharge of debt. This is not so. Chapter 7 Bankruptcy typically allows you to keep all of your property. A common misconception is that you will lose your primary residence or your motor vehicle if you file for Chapter 7 Bankruptcy. Contrary to that belief, you may keep your primary residence and your motor vehicle provided you are current on the payments at the time of filing Bankruptcy and you agree to continue making payments to the secured creditor by executing a reaffirmation agreement.

Keep in mind, however, that not all debts are dischargeable in bankruptcy. For instance, student loans, government loans, and certain tax debt cannot be discharged as well as domestic relations orders such as child support obligations cannot be discharged. Again, a qualified bankruptcy attorney can analyze your existing debt and let you know what a Chapter 7 can and can’t do for you.

If you have any questions on the eligibility or process, schedule a free consultation with one of our expert Chapter 7 bankruptcy attorneys today. At San Diego Bankruptcy Bulldogs, we’ll answer all of your questions and set you on the path to financial freedom.