Chapter 7 Bankruptcy Overview

Pitt

Guiding You Through The Process

Many of the people I work with to file Chapter 7 bankruptcy have experienced significant, unexpected financial hardship. Perhaps you or your spouse lost a job. You may be going through a divorce or have overwhelming medical debt after an illness or injury. No matter what has brought you to this place, I am here to guide you through it.

To arrange a free, no-obligation consultation directly with me, Jason Karavias, Esq., call 412-223-7924 or contact me online.

I keep my clients informed of their rights and obligations at all times. I know this can be a confusing process. I will help you understand what you can expect before and after filing Chapter 7, and I make myself available to you through every step of the process.

How Does Chapter 7 Bankruptcy Work?

Chapter 7 bankruptcy will effectively eliminate most forms of unsecured debt, including:

  • Credit card debt
  • Medical bills
  • Loans and lines of credit

The process typically takes about four months. After that time, your unsecured debt will be discharged and no longer subject to collection by creditors, and you can begin rebuilding your credit.

Determining Chapter 7 Eligibility

The first step is to determine if you are eligible to file for Chapter 7. The best way to find out if you will be approved for Chapter 7 is to speak with a knowledgeable lawyer. Drawing on more than a decade of experience in bankruptcy law, I will carefully assess your situation by reviewing pertinent documents such as tax returns, pay stubs, account statements and other important information. After reviewing these items, I will make a recommendation whether bankruptcy is the best option for you.

Filing The Chapter 7 Bankruptcy Petition

If I believe you are a good candidate for Chapter 7 bankruptcy and that this is the best option for you, we can move forward, and I will file all of the appropriate documents for you in a timely manner. Once the Chapter 7 bankruptcy petition is filed, an automatic stay goes into effect that stops creditor harassment and collections.

The Chapter 7 Trustee Meeting

You will meet with a trustee who will oversee your Chapter 7 bankruptcy case. I will prepare all necessary documents, prepare you for the questions you will be asked, and personally accompany and represent you at this meeting. Upon approval of your petition, you will receive an order of discharge that will permanently prevent creditors from trying to collect from you.

Seeking Credit Card Debt Relief?

I am a Pittsburgh Chapter 7 attorney who has helped countless clients in Pennsylvania and New York solve their financial problems and prepare for future financial success. I serve Allegheny County and the surrounding areas. If you are seeking relief from credit card debt, medical debt or other debts, call 412-223-7924 or contact me online for a free consultation.

My firm is a debt relief agency. I help people file for bankruptcy relief under the Bankruptcy Code.