Guiding You Through The Chapter 7 Bankruptcy 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 through this website.
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. I will 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. From that point on, you can begin rebuilding your credit.
Determining Chapter 7 Eligibility
The first step is to determine if you are eligible to file under Chapter 7. The best way to find out if you are likely to be approved for Chapter 7 is to speak with a knowledgeable lawyer. Drawing on almost two decades 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 financial information. After reviewing these items, I will make a recommendation as to 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. We will collaborate on compiling all necessary information without delay. Then I will file all of the appropriate documents for you in a timely manner. Once you file under the Chapter 7 bankruptcy petition, an automatic stay will go into effect. This legal mechanism will stop 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. The vast majority of my clients experience no obstacles at this stage in the process. A short time later, 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 debt problems and restore financial stability. 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.