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A Chapter 7 bankruptcy, the one most people commonly face, is sometimes referred to as a Liquidation Bankruptcy.    It is a complete discharge of all unsecured debts and the secured debts you wish to keep can be reaffirmed during the process.  If you are facing mounting credit card debt, medical debt, or are in foreclosure, we can assess your legal options with a free consultation.

It is important to meet with an experience bankruptcy attorney when filing for a bankruptcy as there are laws that limit the amount of assets you may keep when leaving all of your debts behind.  The laws in bankruptcy changed significantly on October 17, 2005, with the passage of the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA).

The major change that BAPCPA created was the implementation of the means test.  Under the means test, a debtor must gross under a certain income level in order to qualify for the Chapter 7.  We can assess whether you qualify for a Chapter 7 bankruptcy and whether the option is right for you.  DO NOT STRESS OUT!  Make an appointment today to get the answers from an attorney who is trained to review your case with more than just a cookie cutter, big firm approach.