Bankruptcy Chapter 7

Also known as "straight bankruptcy" is the most popular form of bankruptcy because it allows the debtor to "wipe the slate clean" and start all over. This code is available to individuals, couples, corporations and partnerships. A Chapter 7 bankruptcy wipes out all a person's eligible debts usually within 4 months. 

In the vast majority of cases the debtor has no assets that he or she would lose.


In 2005 the United States Bankruptcy Code was changed requiring that individuals qualify to file for a chapter 7 bankruptcy. In order to determine whether or not you qualify to file for a chapter 7 bankruptcy you should first take the Means Test. If the Means Test shows that you qualify to file for a chapter 7 bankruptcy then it is important to know that there are other requirements. All individuals filing for chapter 7 bankruptcy must attend a debt counseling course within six months of filing for chapter 7 bankruptcy protection. In addition you will also be required to complete a financial education course prior to discharge of your debts.


Chapter 7 personal bankruptcy is ideal for people without significant assets who need a break in life and want a fresh start. Come and meet us, Our Attorney will help you get back on track, we may be able to file your case and immediately stop creditor harassment, mortgage will stop foreclosure and calls from collection agencies will go away. By the way, if they continue calling; just give them our number and tell them to call The law office of Paul Horn, your Attorney.


For a initial consultation, feel free to call our office and make an appointment by calling 800-327-5719 or contact us on-line.