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Chapter 7 Bankruptcy is the most common form of bankruptcy that individuals prefer to file with our office, if they qualify. In most cases, you would be entitled to keep your home, your car and your salary, while at the same time getting rid of all that credit card debt without having to pay any of it back.


You qualify as long as your income over the last six months is below the median income for the state in which you reside. Although, most people that contact our office do qualify, it is best to speak with our office about what the median income is. Most people would be surprised to find out that a married person in New York with a spouse and three children can earn $90,000 and still file Chapter 7 Bankruptcy.


The fact remains that in an overwhelming majority of clients, filing for bankruptcy will not further damage your credit.