What is Chapter 7?

The Fastest and Most Common Path to Debt Relief.

Chapter 7 is the primary form of bankruptcy for individuals and families seeking a Financial Fresh Start. It is the first and best option to consider because it is the fastest, typically allowing you to achieve debt discharge in just 4-5 months—that’s your 4 Months to Freedom!

Do I Qualify for Chapter 7? 

Chapter 7 is designed to help individuals and families get a fresh start. We use our system to quickly determine your eligibility.

You generally qualify to file if you meet the following criteria:

  • Location: Any individual who resides, is domiciled, or has property in the U.S. may file for Chapter 7. You do not have to be a U.S. citizen.

  • Joint Filing: Legally married couples, including same-sex couples, can file a joint bankruptcy case.

  • Credit Counseling: You must receive an approved credit counseling class within the 180 days prior to filing your petition.

Your income must meet the standards set by the Means Test. Income above certain thresholds can make you ineligible for Chapter 7. Our system, powered by BK FastPass, will pre-screen your income to confirm your eligibility. 

If you received a Discharge in a prior bankruptcy filing, there is a waiting period. This is an unusual limitation, but we check your filing history to ensure you qualify now. 

This is the most important question. If you have assets that exceed legal exemption levels, Chapter 7 may NOT be the right option, as you risk losing those unprotected assets. We will help you assess this risk before filing.

Chapter 7 Bankruptcy Process

Here’s our step-by-step process, handled personally by experienced attorneys.

Free Consultation

Call us to discuss your situation and determine if Chapter 7 is right for you.

Document Preparation

We’ll help you gather documents and prepare your bankruptcy petition.

File & Meeting

We file your case and attend the 341 meeting of creditors with you.

Discharge

Receive your discharge and start fresh – typically within 4 months.

$499/month to Financial Freedom

Affordable payment plans that work with your budget. No hidden fees, no surprises.

Secure Your 4 Months to Freedom
HANDLED PERSONALLY

By experienced attorneys

4 Month timeline

Typical Chapter 7 process

Compassionate Care

We’re here to help

READY FOR FINANCIAL FREEDOM?

$499/month • 4 months to freedom • Handled by experienced attorneys

Affordable, Flat-Rate Chapter 7 Relief

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Calculate Your Affordable Fresh Start

Achieve Financial Freedom for Just $499/Month