Chapter 7 Bankruptcy

Chapter 7 bankruptcy allows individuals who qualify to discharge most unsecured debts, such as credit cards and medical bills. A typical Chapter 7 takes about several months and provides a genuine fresh start. Eligibility depends on passing a means test that compares your income to the state median and reviews your expenses; not everyone qualifies for a Chapter 7. It is important to have experienced representation. 

Mitchell St. Louis, P.A. guides clients through the Chapter 7 process from the initial means test analysis through the discharge of qualifying debts, working to protect as much property as possible along the way.

What we handle:

• Evaluating eligibility under the Chapter 7 means test 
• Identifying exemptions to protect your home, vehicle and other property 
• Preparing and filing the bankruptcy petition and schedules 
• Representing you at the creditors’ meeting 
• Obtaining discharge of qualifying unsecured debts 

Why it matters:

The moment a Chapter 7 petition is filed, an automatic stay stops most collection calls, lawsuits and garnishments immediately. Careful exemption planning before filing can also mean the difference between keeping or losing property you want to protect. 

Contact Mitchell St. Louis, P.A. today to schedule a consultation about whether Chapter 7 bankruptcy is right for you.