Chapter 7 Bankruptcy

Debt Forgiveness

Columbus Lawyers Helping With Chapter 7 Bankruptcy

Chapter 7 is the most common type of bankruptcy filing, and for good reason. It is an extremely flexible and powerful way for indebted consumers and small-business owners to eliminate their most troublesome debts.

Because Chapter 7 involves liquidating assets as a means of resolving debtor claims, however, many people worry unnecessarily that they must surrender their most important assets to creditors.

Skilled Guidance For Debt Liquidation

In most cases, Chapter 7 bankruptcy clients of Guerrieri, Cox & Associates, LLC., in Columbus, Ohio, are able to keep most or all of their assets and property. In so doing, they are also able to permanently eliminate these and other debts within a few months of filing with the bankruptcy court:

  • Credit card debts
  • Medical debts
  • Certain tax debts
  • Student loans (in certain circumstances)
  • Mortgage debts
  • Car loans

A Chapter 7 bankruptcy can also stop harassing creditor calls, halt collections lawsuits, end wage garnishments, prevent utility shut-offs, and postpone or prevent foreclosures and evictions.

Exploring Your Debt Relief Options

In order to qualify for Chapter 7 bankruptcy, you must meet certain income criteria. Also, certain assets are exempt from liquidation, but others are not. Meet with our experienced attorneys, and we can discuss these issues and help you determine whether Chapter 7 bankruptcy, Chapter 13 bankruptcy or another form of debt management is most appropriate for your situation.

Can I Really Keep My House?

Absolutely. Chapter 7 bankruptcy exemptions include cars and even houses (with no unprotected equity) as long as the debtor continues to maintain his or her current payments. The debtor may be required to sign a “reaffirmation agreement” affirming that these payments will be made on time in the future.

Don’t Listen To The Fear. Listen To The Facts. Contact Our Chapter 7 Bankruptcy Lawyers Today.

The fear is that people who file for Chapter 7 must lose everything to be free of debt. The reality is most people who file for Chapter 7 stay in their homes, keep their primary vehicle and retain their most valuable possessions.

For more information, contact us at Guerrieri, Cox & Associates, LLC. today. During your free, initial consultation, our Columbus Chapter 7 bankruptcy attorneys can evaluate your options and help you determine whether bankruptcy or another debt management option will provide the best path to your financial freedom.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

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