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Chapter 7 Bankruptcy Attorneys Offer You a Fresh Start

Chapter 7 bankruptcy provides a person the opportunity to hit the restart button. In fact, Chapter 7 bankruptcy is often referred to as the “fresh start” bankruptcy since it wipes out unsecured debt allowing the person to start over. A Chapter 7 bankruptcy attorney, like the ones serving Glendale and Phoenix at Perez Law Group, PLLC, can start you down the road to your own fresh start.

What is the Different Between Secured Debt and Unsecured Debts?

Secured debts is debt that is backed (or secured) by collateral.   For instance, you obtain a mortgage loan by putting up the house as collateral; if you don’t pay off the debt, the house can be taken back as a means of repaying the loan (also referred to as a foreclosure). The home loan is secured by the house. By contrast, unsecured debts such as most credit cards do not have collateral that creditors can seize if the debt goes unpaid. Most credit cards, medical debts, utility debts and personal loans fall under the category of unsecured debt.

What Type of Debts Does Chapter 7 Discharge?

Among the debts Chapter 7 can discharge are:

  • Credit card debt
  • Personal loans
  • Medical bills
  • Other past-due bills

Student loans are in the unsecured debt category but they are challenging to discharge and a person who requests a discharge of student loans must follow additional steps if they qualify for a discharge of student loans. However, the other forms of debt in this category can be eliminated by filing for Chapter 7.  An added bonus? The moment you file for bankruptcy, creditors must cease their attempts to collect. In other words, filing equals no more hounding, no more garnishments, no more calls or letters.

Recent Reviews

Maile A.
15:07 19 May 20
Cristina treats you like family. Period. She truly has her client’s best interest in mind at all times. She has represented me on a couple of different matters and I have been impressed each time.... Her legal assistant Sophia is just as great and is always there to assist as well. There is no better feeling then having an attorney that is trustworthy, dependable and actually accessible when you need them. Highly recommend this office to everyone!read more
Jerry J.
14:45 19 May 20
I feel very lucky to have found Cristina for the legal services I needed. She and her team were the utmost professionals. Cristina really helped me thru a difficult time, and I trusted her the whole... more
meddick911 M.
19:58 17 May 20
Steven Janssen was remarkable in all aspects. This can be a very complicated and confusing process, but he addressed all of our concerns and questions. We had to make several changes, but important... ones and he always made us feel very comfortable during those times. Steven Janssen’s professionalism and kindness is what helped make this Legal Transaction a smooth process in a timely manner. We will be referring friends and family to the Perez Law more

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