Chapter 7 Bankruptcy - Wipe Out Debt Fast
Eliminate Your Debt. Keep Your Future.
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Free case review. No obligation.
Debts We Wipe Out
Chapter 7 is designed to eliminate unsecured debt quickly.
Credit Card Debt
High balances with interest rates that make it impossible to pay off.
Medical Bills
Unexpected healthcare costs that have drained your savings.
Personal Loans
Unsecured loans and payday loans with predatory terms.
Judgments
Old lawsuits or judgments that are haunting your credit report.
The Process
From harassment to compensation in three simple steps.
Free Review
We analyze your case at no cost
We File Suit
We take legal action against violators
You Get Paid
Receive compensation for violations
Chapter 7 bankruptcy, often called "liquidation" or "straight bankruptcy," is the most common and fastest way to get out of debt.
It allows you to completely discharge (wipe out) most unsecured debts, giving you a true fresh start. The entire process typically takes only 3 to 4 months from filing to discharge.
Most people keep all their property. Exemptions protect your home, car, and retirement savings in the vast majority of cases.
Call for a free consultation: (614) 362-3322
What Debts Can Be Eliminated?
Chapter 7 is designed to wipe out unsecured debts, including:
- Credit card balances
- Medical bills
- Personal loans
- Payday loans
- Utility bills (past due)
- Deficiency balances from repossessions
Some debts, like student loans, child support, and recent taxes, generally cannot be discharged.
Is this happening to you?
You may be entitled to compensation of $500–$1,500 per violation.
Call Us NowDo I Qualify? (The Means Test)
To file for Chapter 7, you must pass the "Means Test." This looks at your income relative to the median income for a household of your size in your state.
If your income is below the median, you automatically qualify. If it is above, we can often still qualify you by deducting allowable expenses like mortgage payments, taxes, and childcare.
Will I Lose My Stuff?
This is the biggest myth about bankruptcy. Every state has "exemptions" that protect your property. In Ohio and most other states, you can typically keep:
- Your home (up to a certain equity limit)
- Your car (up to a certain equity limit)
- Household goods and furniture
- Clothing and jewelry
- Retirement accounts (401k, IRA) are 100% protected
We will review your assets before filing to ensure everything you own is safe.
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Free case review. No obligation.
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