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What’s a Chapter 7 bankruptcy? A Chapter 7 bankruptcy is a fresh start. It is the most common form of bankruptcy filed, and lets you walk away with little to no remaining debt. It is easy and the process takes a few months from start to finish.
Let’s talk about what happens when you file for bankruptcy in Nevada. As soon as you file your Chapter 7 bankruptcy, your creditors may not continue any collection activities against you. The phone calls stop. The efforts to repossess your vehicle stop. A pending foreclosure on your house is stopped. Any wage garnishments stop. It is immediate peace of mind, and freedom from the financial pressures you might be feeling. This is possible through the bankruptcy’s “automatic stay.”
Are you concerned you might not be able to keep your personal property? In a Chapter 7 bankruptcy, you are able to keep everything you need to live comfortably in Nevada. We can also help you stay in your family home or car, if you would like to continue your monthly payments.
At the completion of your bankruptcy, you will have eliminated most, if not all, of your debt. Credit card debts are discharged. Medical bills are discharged. Past due loan debts are discharged.
How do I know if I am eligible to file a Chapter 7 bankruptcy? Easy, Call Christine for your free consultation! We will discuss any prior bankruptcy cases you had in the past. We will review your income and expenses together. The Bankruptcy Court applies a “means test” to determine if your current household income is at or below the median of households your size in the city or county where you live. If your income is at or below the median, Chapter 7 may be the right choice for you. We will also discuss the type of debt you are currently carrying, and what you would like to do with your home or car.
We have helped thousands of clients in the Las Vegas Valley find financial freedom through bankruptcy. If you have any questions on whether bankruptcy is the right solution for you, whether you qualify for a Chapter 7 bankruptcy, or what the Court process entails, schedule a free consultation with Christine today.