Whether or not a person qualifies for a Chapter 7 bankruptcy is determined by using the “means” test. In basic terms, the means test looks at an individual’s income and expenses and allows the Bankruptcy to proceed if the numbers fit within a set of guidelines.

Once filed, there is an automatic “stay” in effect that prevents creditors from pursuing legal action against you or even contacting you. In order to then proceed, the creditor must obtain a relief from the automatic stay.

Chapter 7 can eliminate some or all of the following debt:

  • Medical Bills
  • Credit card debt
  • Medical Bills
  • Unsecured Personal Loans
  • Wage Garnishment

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