John Alan Eggers, Attorney at Law
Home | Consultations l Fees | FAQ | Contact Us | Feedback
 Chapter 13
 Chapter 7
 Before Filing
 After Filing
 Credit Counseling


    Chapter 7 Bankruptcy is for people who cannot afford to repay their debts.   A case under Chapter 7 eliminates most debts with the exception of student loans, recent taxes and child support obligations.

    Filing a Chapter 7 case immediately stops garnishments, phone calls and other attempts to collect debts by creditors.

   A debtor may want to keep certain loans such as a car loan or mortgage.   This is usually allowed if he or she is current on payments and can afford to make those payments in the future.