Chapter 7 eliminates debts without repayment.
When you file chapter 7, all of your unsecured debts are completely eliminated. The types of debts that are erased are credit card, utility, medical, dental, payday, repossession, sheriff sale, judgments, etc. Student loans, unfortunately, are not eliminated.
Our office will analyze your income and many other factors including your expenses and needs of your family to determine if you qualify. If you do, you will receive a discharge of your debts, you will keep all of your assets and you will be on your way to a new financial start.