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Chapter 7 Bankruptcy

We are a debt relief agency and we help people file for chapter 7 bankruptcy relief under the Bankruptcy Code.

For The People can type your Chapter 7 Bankruptcy petition, statements and schedules at your direction. We are a debt relief agency and we help people file for chapter 7 bankruptcy relief under the Bankruptcy Code.

Chapter 7 is designed for debtors in financial difficulty who do not have the ability to pay their existing debts. Debtors whose debts are primarily consumer debts are subject to a “means test” designed to determine whether the case should be permitted to proceed under chapter 7. If your income is greater than the median income for your state of residence and family size, in some cases, creditors have the right to file a motion requesting that the court dismiss your case under § 707(b) of the Code. It is up to the court to decide whether the case should be dismissed.

Under chapter 7, you may claim certain of your property as exempt under the applicable federal or state exemption schedule. A trustee may have the right to take possession of and sell the remaining property that is not exempt and use the sale proceeds to pay your creditors.

The purpose of filing a chapter 7 case is to obtain a discharge of your existing debts. If, however, you are found to have committed certain kinds of improper conduct described in the Bankruptcy Code, the court may deny your discharge and, if it does, the purpose for which you filed the bankruptcy petition will be defeated.

Even if you receive a general discharge, some particular debts are not discharged under the Bankruptcy Code. Therefore, you may still be responsible for most taxes and student loans; debts incurred to pay nondischargeable taxes; domestic support and property settlement obligations; most fines, penalties, forfeitures, and criminal restitution obligations; certain debts which are not properly listed in your bankruptcy papers; and debts for death or personal injury caused by operating a motor vehicle, vessel, or aircraft while intoxicated from alcohol or drugs. Also, if a creditor can prove that a debt arose from fraud, breach of fiduciary duty, or theft, or from a willful and malicious injury, the bankruptcy court may determine that the debt is not discharged.

Chapter 7 Bankruptcy Amendment

For The People can type a Chapter 7 Bankruptcy Amendment at your direction. We are a debt relief agency and we help people file for chapter 7 bankruptcy relief under the Bankruptcy Code.

After you have filed your chapter 7 bankruptcy petition, schedules and statements, it may become necessary that you amend some of the information on those forms. Some of the possible amendments may include (but are not limited to) adding, amending or deleting creditor information, income and expense information, asset and debt information, and your statement of financial affairs.

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