Chapter 7 Bankruptcy
A clean slate in months, not years. Chapter 7 eliminates most unsecured debts quickly, giving you the fresh start you deserve.
Free Chapter 7 ConsultationHow Chapter 7 Helps You
Eliminate Unsecured Debt
Chapter 7 is the most common form of bankruptcy. It eliminates most unsecured debts quickly, usually within a few months, giving you a clean slate to rebuild.
- Eliminates most unsecured debts (credit cards, medical bills, personal loans)
- Case typically completed in 3–6 months
- Immediately stops creditor calls, lawsuits, and wage garnishments
- Protect your home, car, and retirement accounts through exemptions
Keep What Matters Most
Alabama exemption laws allow you to protect your home, vehicle, retirement accounts, and personal belongings. Most Chapter 7 filers keep everything they own.
- Homestead exemption protects equity in your home
- Motor vehicle exemption covers your car
- Retirement accounts (401k, IRA) are fully protected
- Wildcard exemption for personal property
The Automatic Stay — Protection Starts Immediately
The moment you file for Chapter 7, an "automatic stay" goes into effect — immediately stopping most creditor collection actions, including phone calls, letters, lawsuits, wage garnishments, and foreclosures. You get breathing room from day one.
Chapter 7 FAQs
How do I know if I qualify for Chapter 7?
Chapter 7 requires passing a 'means test' based on your income and household size. If your income is below the state median, you generally qualify. We'll evaluate your eligibility during your free consultation.
Will I lose my house or car?
In most cases, no. Alabama exemption laws protect significant assets including your home, vehicle, and retirement accounts. We'll review your specific situation to maximize your protections.
How long does Chapter 7 take?
Most Chapter 7 cases are completed within 3–6 months from the date of filing. You'll receive your discharge — the court order eliminating your debts — at the end of that period.
What debts can't be discharged in Chapter 7?
Some debts are not dischargeable, including most student loans, recent tax debts, child support, and alimony. We'll review your debts and explain which ones can and cannot be eliminated.
How much does Chapter 7 cost?
Court filing fees and attorney fees vary. We offer affordable rates and payment plan options. We'll discuss all costs clearly at your consultation — no surprises.
Ready for a Fresh Start?
Schedule a free, confidential consultation. We'll review your situation and explain whether Chapter 7 is right for you — with no obligation.