The Constitution of the United States of America gave Congress the authority to establish a nationwide bankruptcy system. Bankruptcy is a critical part of a risk-taking, capitalistic system.
A Chapter 7 bankruptcy is intended to free you from unsecured debts like credit cards, medical bills and even judgments.
Chapter 7 will also prevent you from being sued after a property foreclosure or vehicle repossession.
The Chapter 7 process only takes a few months.
Bankruptcy is intended to give you a Fresh Start on life.
Bankruptcy brings peace of mind.
Bankruptcy allows you to work for the future instead of the past.
A Chapter 7 bankruptcy is "no-fault," because it is critical to a modern, free market economy.
Your personal obligation for money owed is discharged. You can no longer be sued for these debts. These generally include medical bills, credit cards, payday loans, deficiencies on foreclosures and repossessions, personal loans, and even potential obligations - such as uninsured damages for an auto accident, if the obligation arose before you filed your bankruptcy.
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