A chapter 7 bankruptcy is often called the “fresh start” provision of the bankruptcy code because it allows you to wipe out all of your debt and get a fresh start. In a chapter 7 bankruptcy, we show the Court that you are unable, based upon your budget, to pay the debt that currently hangs over you. Approximately 90 days after we file your chapter 7 bankruptcy, you are granted a discharge which means that your are no longer liable for the debt.
