When To File For Chapter 7

If your debt has become unmanageable, whether as a result of the loss of a job, a serious injury or other circumstances, you may be considering bankruptcy as a way to get a fresh start. You want to work closely with an experienced and knowledgeable bankruptcy lawyer, so that you understand the benefits and consequences of filing for bankruptcy and so that you can make informed decisions that are in your best interests.

I handle all matters related to Chapter 7 bankruptcy filings. I can work with you to:

  • Determine whether you qualify for Chapter 7
  • Guide you through the process
  • Stay connected and make sure you always know the status of your case

I've worked with clients to resolve their debt and start again for over a decade. I understand the anxiety that can accompany a legal proceeding. If you are anxious or unsure if bankruptcy is right for you, schedule a no obligation, one-hour initial consultation and get your questions answered. Call my office at 419-244-0169.

What To Expect In Chapter 7 Bankruptcy

In a Chapter 7 bankruptcy, you are allowed to discharge certain debts in exchange for the sale (or liquidation) of non-exempt assets. If you're not eligible to file under Chapter 7, we will discuss your option to seek personal bankruptcy protection with a Chapter 13 repayment plan.

Before we file a petition in bankruptcy, we will make certain:

  • That you understand which debts can be discharged and which cannot (such as student loans, child support arrearages and certain tax obligations).
  • We will make certain that all eligible assets, such as your principal residence and motor vehicle, are not included in any sale of assets.
  • We will also address ways to deal with secured debt, including redemption, reaffirmation and surrender.

I will discuss the services that may be available to you and help you understand the bankruptcy process. We will address any attempts by your creditors to circumvent the bankruptcy process through garnishment, foreclosure or repossession.

Full Support Through The Process

Approximately 8 weeks after filing your Chapter 7 petition, you will be required to appear before the Trustee assigned to your case.

I will meet with you beforehand, appear with you during the hearing and prepare you for the questions The Trustee will ask. For most people, this will be the only hearing that you will be required to attend throughout the process. There are certain situations that may cause you to appear in Bankruptcy Court. I will discuss these situations in detail with you before you file a bankruptcy petition.

Call Now For A Free Consultation

Call Thom Cafferty Law Office to set up a time to meet and discuss your situation and how I can help. Call 419-244-0169 or email me. I serve clients throughout northwest, Ohio.

Forms To Download

Please download the intake package and complete the questionnaire, and the property, income and expense schedules and bring to your consultation. You can also download Your free credit report.