Understand Chapter 7 Bankruptcy Before You File

Many people do not realize how powerful bankruptcy protection can be. In addition to discharging the aforementioned debt, it can stop creditors from garnishing your wages, seizing your property or harassing you in any way. It can also help you avoid home foreclosure, vehicle repossession and IRS tax levies.

Our lawyer and team at The Law Office of Brian L. Hill, in Clarksville, Tennessee, will work directly with you to understand your unique situation and pursue the filing that is best for you. We encourage you to get in touch as soon as possible to get a clean slate and new footing on financial life.

Chapter 7 Bankruptcy Relieves Debts

Chapter 7 bankruptcy is distinct from Chapter 13 filings and permits much of an individual's unsecured debts to be discharged. The process usually lasts four to six months and, after completion, the debtor begins life with a fresh start. Married individuals are permitted to file separately, and the court will order an end to creditor harassment immediately upon filing.

Chapter 7 can be used to discharge:

  • Credit card debt
  • Medical debt
  • IRS debt
  • Payday and finance company loans
  • Lines of credit and overdraft fees
  • Personal loans
  • Bank and credit union loans
  • Utility bills
  • Some second mortgages

If you seek to obtain a Chapter 7 filing, it is important to understand that you qualify for it and take the optimal steps to obtain the discharge.

Get Effective Bankruptcy And Divorce Representation At Our Office

If you or a loved one needs sound legal advice and zealous representation from an experienced personal bankruptcy attorney, call The Law Office of Brian L. Hill at 931-320-9082 or contact us by email to arrange a free initial consultation.

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