Chapter 7 bankruptcy allows an individual consumer over three or four months to wipe out most debts by having the United States Bankruptcy Court issue a discharge of debt. By filing Chapter 7, you will not have to pay back creditors.

If you qualify under Chapter 7 and state exemptions, you can get rid of all unsecured debt and keep your house, car and other property. This means that the person filing the Chapter 7 bankruptcy will not be required to pay back those types of unsecured creditors.

Types of unsecured debt includes:

  • Medical bills 
  • Credit card debt
  • Payday loans
  • Title loans
  • Car repossessions
  • Evictions and unpaid rent
  • Unpaid utility bills
  • Civil judgments

Unsecured debt does not include past due child support payments, most school loans, some taxes and a few other types of debt that a bankruptcy lawyer will be able to discuss with you.

Chapter 7 is best for people who are overwhelmed with debt and who have no other options. If you have a lot of equity in real property, or have secured goods, such as automobiles, boats, furniture, appliances, and electronics, with which the you don't want to lose, you should consider a Chapter 13 bankruptcy.

Castle Law Office has been handling bankruptcies for Kansas City clients from more than 14 years. If you need the fresh start bankruptcy can provide, call us today at 816-842-6200 to speak with an attorney. Or you can email us and schedule your free consultation.


Jason C. Amerine
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President and Owner, Castle Law Office of Kansas City