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Chapter 7

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Chapter 7 Bankruptcy Lawyers in Fresno

Are you feeling weighed down by the burden of debt? If your financial situation is holding you back from a reasonable repayment plan to your creditors, you may qualify to file for bankruptcy under Chapter 7.

With Chapter 7 bankruptcy in Fresno, a trustee will help you liquidate many of your eligible assets and, in turn, have qualifying debts discharged or reduced by your creditors. For people in certain situations,  it is a helpful and effective means of debt management.

Arnold Law Group, APC, can help you understand your options when it comes to bankruptcy and determine whether Chapter 7 is the best choice for you. Call (559) 900-1263 today.

Debts That Can and Can’t Be Discharged Under Chapter 7 Bankruptcy

Prominent examples of debt that can be eliminated include: 

  • Credit Card Debt 
  • Medical Bills 
  • Past-Due Utility Balances
  • Lawsuits
  • Collection Agency Accounts

It’s also possible that tax debts can be discharged, so long as they are more than three years old and meet other qualifying criteria. Talk to our bankruptcy attorneys to find out if this applies to your specific situation. 

Debts that cannot be eliminated through Chapter 7 bankruptcy in Fresno include these: 

  • Child Support
  • Spousal Support
  • Tax Obligations
  • Student Loans
  • Secured Debt

During a case evaluation, our firm can analyze your debts to determine how bankruptcy can help you.

Contact Arnold Law Group, APC, today by calling (559) 900-1263 or reaching out here online to schedule a free case evaluation.

The Benefits of Filing for Chapter 7 Bankruptcy 

The most obvious benefit of filing for Chapter 7 bankruptcy is the potential for quick debt relief of the kinds of unsecured debt noted above. Other advantages are these: 

  • Obtaining More Disposable Income: By eliminating certain debts, individuals can free up a significant portion of their monthly income that was previously allocated towards debt payments. This additional discretionary income can be used to cover essential living expenses, save for the future, or invest in rebuilding one's financial stability.
  • Ending Creditor Harassment: Filing for Chapter 7 bankruptcy triggers an automatic stay, which halts all collection actions by creditors. This means that once the bankruptcy petition is filed, creditors are legally prohibited from contacting the debtor or pursuing collection efforts. This automatic stay provides individuals with much-needed relief from creditor harassment.
  • Stopping Foreclosure or Repossession: The automatic stay mentioned earlier not only puts a halt to creditor harassment but also temporarily stops foreclosure proceedings and repossession efforts. This gives individuals the opportunity to explore alternatives, negotiate with lenders, or find different housing options without the immediate risk of losing their home or vehicle.

It's also important to note that while Chapter 7 bankruptcy can provide relief by discharging qualifying debts, it will likely have an impact on your credit score. However, rebuilding credit after bankruptcy is possible over time with responsible financial management.

Contact Our Bankruptcy Lawyers in Fresno

At Arnold Law Group, APC, we can evaluate your situation and provide you with the legal assistance you need. After you complete the Chapter 7 process, you can face your future with a renewed sense of hope. We stand by your side through it all. 

Call our office today at (559) 900-1263 to get a free case evaluation.

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