Chapter 7 FAQs

If they call you, simply tell them that you have filed a Chapter 7, provide them with your case number and refer them to our office. If they mail you a statement or threatening letter, simply note on the correspondence that you have filed Chapter 7 and your case number and mail the correspondence back to them.

Simply bring the lawsuit, garnishment or foreclosure/repossession notice to our office and we will take care of it.

Your discharge does not protect a codebtor or guarantor. The creditor can pursue collection activity against the codebtor or guarantor.

You can add creditors to your bankruptcy after the filing and prior to your discharge being entered upon the payment of an amendment fee and so long as the debt was incurred prior to your filing. Please contact our office for further instruction.

Your discharge is eligible to be entered after sixty (60) days from the date of your 341(a) Meeting of Creditors. Upon expiration of the sixty (60) day period, the court will enter the discharge and send you a copy. The discharge will discharge you from all debts which are dischargeable. Some debts which are not dischargeable include (but are not limited to) alimony, maintenance, support, student loans, priority taxes, debts for death or personal injury caused by your operation of a motor vehicle while unlawfully intoxicated, debts for restitution included in a criminal sentence imposed on you and those debts which you have chosen to reaffirm and a reaffirmation agreement is filed with the court prior to your discharge. For a complete list of nondischarged debts, please refer to the discharge entered by the court in your case.

Notify us by mail with the information. Please use the forms provided on our General Information for Our Valued Chapter 7 and Chapter 13 Clients page to notify us in writing of any changes. We will notify the court and the trustee's office.