Attorney-directed Chapter 7 filings designed to eliminate unsecured debt and create long-term financial stability under federal bankruptcy law.
Chapter 7 is a federal court-supervised legal process that allows qualified individuals to eliminate most unsecured debts, including:
• Credit cards
• Medical bills
• Personal loans
• Certain judgments
In many cases, collection efforts, wage garnishments, and creditor calls stop immediately upon filing.
Chapter 7 is designed to provide a structured financial reset under federal court supervision.
Chapter 7 may be appropriate if:
• Your income falls within eligibility guidelines
• You have significant unsecured debt
• You are not able to realistically repay obligations
• You need immediate protection from collection actions
Eligibility depends on income analysis and financial review.
Each case requires careful evaluation. A formal means test and full financial review are required before filing.
Federal and state exemption laws determine what property may be protected during a Chapter 7 case.
Many individuals are able to retain essential property, including:
• Primary residence (subject to exemption limits)
• Personal vehicles
• Retirement accounts
• Household goods
Asset protection strategy is evaluated during your initial consultation. We analyze both federal and applicable state exemptions to structure asset protection appropriately before filing.
Our Chapter 7 cases follow a disciplined, attorney-supervised process:
Most Chapter 7 cases are completed within several months.
Chapter 7 filings require strict compliance with federal bankruptcy rules and detailed financial disclosure.
Our firm operates through a disciplined, technology-enabled workflow designed to ensure accuracy, efficiency, and strategic review before filing.
Every case is attorney-directed and supported by a bilingual legal team trained in structured case management.
Timelines depend on document completion and eligibility review. In urgent situations, cases may be filed the same day once required documents and eligibility review are complete.
In most cases, wage garnishments stop immediately upon filing due to the automatic stay issued by the federal bankruptcy court.
Asset protection depends on exemption analysis and individual circumstances.
Most individuals attend a required 341 meeting. Many steps are handled remotely.
We represent Chapter 7 clients in the United States Bankruptcy Court for the District of New Jersey, including matters originating in Passaic, Bergen, Hudson and Essex Counties.
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