How long does the bankruptcy process take?

A typical Chapter 7 bankruptcy takes roughly 4 to 6 months from your initial filing date to your final discharge order. Pursuing a student loan discharge involves an extra-legal filing called an Adversary Proceeding, which we manage seamlessly alongside your core case.

What debts are completely wiped out under Chapter 7?

Chapter 7 may be able to permanently eliminate unsecured consumer liabilities like credit cards, personal loans, and medical bills. Furthermore, under the updated federal review framework, qualifying student loans can be fully discharged. Non-dischargeable exceptions remain limited to obligations like child support, alimony, and specific recent tax liabilities.

What about secured debts (mortgage, car finance agreement)?

If you want to keep the property securing the debt (like a house or car), you will need to continue making payments.

How will bankruptcy affect my credit?

It can significantly lower your credit score. However, when your credit is already significantly damaged by overwhelming debt and missed payments, bankruptcy provides a clean slate and the opportunity to begin rebuilding your credit through responsible financial management and establishing new credit accounts with timely payments. After your debts are discharged you can immediately begin to rebuild your credit.

I already filed Chapter 7, can I file again?

Yes, so long as it is 8 years after the date that the prior bankruptcy case was filed.

Can I file a Chapter 7 without an attorney?

Yes, but it's often advisable to seek legal counsel due to the complexity of bankruptcy law.

How much does bankruptcy cost?

Our services come in two stages.

Stage 1 – Pre-Petition: $995 total, includes filing fees, credit check, and credit counseling costs. You only need to pay $500 before we file.

Stage 2 – Post-Petition (optional): a flat fee of $3,500 (individual) or $4,000 (joint) covering post-filing trustee communications, 341 meeting, and case administration through discharge. Nothing is due until 30 days after your discharge, dismissal, or case closing.

You're not required to keep us for Post-Petition work—you can represent yourself or hire another attorney (subject to court approval of our withdrawal). Full terms are in our engagement agreement.