Whatever the cause of financial challenges, Chapter 7 bankruptcy offers a new start to many people facing years of difficult or even impossible personal finances. If you are carrying debt that you cannot afford, Chapter 7 will enable you to dispose of crippling obligations and start over with resources that enable you to plan for the future and to enjoy life.

What Chapter 7 Can Do for You

Under Chapter 7 bankruptcy, an individual files a petition asking the court to eliminate excess debt in exchange for any non-exempt property. The individual is allowed to keep exempt property, which typically includes all assets. When there are non-exempt assets at risk, a Chapter 13 can help protect them.

Many people considering bankruptcy file for Chapter 7, because under it they can often protect all of their property and eliminate most debt. Chapter 7 can stop wage garnishment, debt collection harassment and other collection actions.

While bankruptcy offers many benefits, it has limits. It typically cannot eliminate "secured" debts like car loans and home mortgages, and it cannot remove the responsibility to pay child support, alimony, criminal fines, student loans and most taxes. Bankruptcy also cannot protect loan co-signers and cannot eliminate debts incurred after a bankruptcy has been filed.

Our Chapter 7 Support

To fully understand Chapter 7 bankruptcy protection and debt relief, call the Johnson Law Office for a free initial consultation. Each bankruptcy is different and tailored to the needs and circumstances of the individual. We can gather the facts of your case, lay out your options, and present a no-obligation recommendation of your best course of action.

If you do choose to file Chapter 7 bankruptcy, we will make the proceedings as convenient for you as possible. You will likely need to travel to Clarksburg only once to attend one hearing. All other actions can usually be conducted over the phone, by mail, by fax or by e-mail.

We offer flexible appointments and payment plans, and charge affordable rates. To discuss your bankruptcy options,contact us at 304-292-7933.

West Virginia Questionnaire - PDF Download
Testimonial - PDF Download
527a Disclaimer - PDF Download
527b Disclaimer - PDF Download

We are a debt relief agency. We help people file for relief under the Bankruptcy Code.