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How to use our software to generate an official U.S. Bankruptcy Petition.

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Meeting OfCreditors

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Learn about this meeting, including what to bring and sample questions.

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Learn about how the process ends and ways to make the most of your fresh start.

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Chapter 7 Bankruptcy

Chapter 7 bankruptcy eliminates credit card debts, payday loans, personal loans, medical bills and old utility bills. It delays foreclosure and prevents utility shut offs. Chapter 7 is the most common bankruptcy in the United States.
Chapter 7 Eliminates Most Debts
Credit cards, pay day loans, personal loans, medical bills and old utility bills are included. Most taxes, student loans, child support, alimony, and criminal fines are not included in a chapter 7 bankruptcy.
You Don't Have To Pay Anyone Back
Unless you inherit money within six months, you don't have to pay back any of the debts you put into bankruptcy. This is true even if you start a successful business, find a better job, or get a pay raise after your case ends.
Keep Your House, Car & Belongings
Most states let you keep your home and car, losing either one is very rare. It is also very rare to lose any computers, televisisions, electronics, phones, furniture, collectibles, clothing, or accessories in a chapter 7 bankruptcy. provides all the common exemptions and warns you if you are in danger of losing your things.
Stop A Judgment, Garnishment, Sale or Levy
Chapter 7 bankruptcy is a common way to prevent a judgment from going forward, wages from being taken, property from being sold and bank accounts from levied. You are protected as soon as your case is filed.
Qualify For A Chapter 7 will tell you if you qualify for chapter 7 bankruptcy before you pay. 50% of people automatically qualify based on how much they make. Everyone else can qualify by showing special circumstances. You also qualify if your debts are primarily business debts or if you're on active duty. If you do not qualify, you should discuss other options with a lawyer.
Bankruptcy Is Your Right
Chapter 7 bankruptcy is a federal law authorized by the United States Constitution, which says Congress may enact "uniform Laws on the subject of Bankruptcies throughout the United States." Article 1, Section 8, Clause 4.

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