Chapter 7

Chap­ter 7 Bank­ruptcy is com­monly known to lawyers as a liq­ui­dat­ing bank­ruptcy (liq­ui­da­tion) or per­sonal bankruptcy. This is the most com­mon type of bank­ruptcy and under this process, you may be enti­tled to a fresh start and many if not all of your debts could be dis­charged.  The types of debts which are dis­charge­able under a Chap­ter 7 Bank­ruptcy include credit cards, non-secured debts, med­ical bills, some types of judg­ments, and oth­ers.  You will need to con­sult with your lawyer to deter­mine each type of debt which may be dis­charge­able.  Gen­er­ally, you can exempt assets used for your sup­port and main­te­nance such as cloth­ing, fur­ni­ture, and house­hold goods. You may also be able to exempt your auto­mo­biles and your home with the help of our attorneys.

Some debts which are not dis­charge­able include alimony and child sup­port oblig­a­tions, stu­dent loans and some types of taxes. You would need to dis­cuss with your attor­ney what debts you have which may not be dischargeable.

Ben­e­fits of a Chap­ter 7 Bankruptcy
  1. Dis­charge of Debts and Other Obligations
  2. Stop col­lec­tion activ­ity immediately
  3. Keep all of your non-exempt assets which could include all your per­sonal belong­ings and your car and home
  4. Wipes Away Debts from Repossession
  5. Gives you a Fresh Start


San Fran­cisco Office
203 Wil­low St. Suite. 204
San Fran­cisco, CA 94109
Toll Free: (866) 957‑9966
Fax: (866) 855‑9737

Napa Office
575 Air­park Road
Napa, CA 94558
Toll Free: (866) 957‑9966
Fax: (866) 855‑9737


None of the infor­ma­tion on this site con­sti­tutes legal advice. It is an ad for attor­ney ser­vices. The attor­neys at DeDecker & Meltzer are licensed attor­neys in the state of Cal­i­for­nia. The infor­ma­tion is intended to be gen­eral in nature as there are many laws and reg­u­la­tions not men­tioned on this site that may apply to your sit­u­a­tion.