top of page

Chapter 7 Bankruptcy

Easy payment plans available

Chapter 7 bankruptcy is the most common and the most successful form of bankruptcy for the debtor. In a Chapter 7 bankruptcy, most unsecured debts are eliminated and you are no longer liable to pay back those creditors.  These debts include: 

  • Personal loans
  • Medical Bills
  • Credit cards
  • Memberships
  • Utilities
  • Garnishments
  • Gambling debts
Typically, secured debts, such as a mortgage or car payment, are either reaffirmed or surrendered.  If you are current on your mortgage or car payment, we can usually reaffirm that loan and you can keep that property.  If you do not wish to keep the property, we can surrender it and discharge the debt. Most people of average income seeking bankruptcy protections qualify for Chapter 7 debt elimination. Contact us today to schedule your free consultation.
Here is the typical process (however each case is unique):
  1. Have free friendly consultation with Attorney Shelton either in person or over the phone.

  2. Get the required paperwork to our office, which typically means:​​
    1. Last two tax returns (if filed)​
    2. Last six months of income information (if any)
    3. Last four months of bank statements (if any)
    4. A copy of your ID and Social Security Card (or documentation with your SSN)
    5. Vehicle titles (if any)
    6. Any other documents the Attorney requests
  3. Take the Credit Counseling Class online or over the phone.​
  4. Attend the meeting of creditors (these are held remote, and you will have to answer some simple questions).
  5. Take the Debtor Education Class online or over the phone.
  6. Wait for your discharge.

Although we make this sound simple, we do not recommend trying this alone.  Chapter 7 trustees have the ability to sell property if it is not properly protected.




Download A Free Bankruptcy Packet

Print and complete this form to expedite the process

We are here to help you

If you are facing difficult financial obligations such as medical debt, credit card debt, foreclosure, or repossession contact us today. You don't have to be in financial ruin. The law allows financial assistance or even a fresh start.

Roughly 1 in 10 adults will file a bankruptcy sometime in their lifetime. The process doesn't have to be difficult and we can help.


Email Address


bottom of page