Law Offices of Nicholas Gebelt

Whittier Chapter 7 Attorney


Chapter 7 is the mostly commonly filed bankruptcy chapter. Under Chapter 7 bankruptcy, many — in most cases, all — of your debts will be discharged. That means you will not have to repay them. Typically, unsecured debt, such as credit cards and medical bills, are discharged.

Most Chapter 7 debtors are able to exempt all of their assets, meaning that if your case is fairly typical, you may get to keep all of your possessions. As for an asset that serves as collateral for a secured debt — common examples include a house or a car — you can keep it if you are current and remain current on the payments, and can exempt the equity you have in the asset. However, if you want to keep property like a home or a car but are behind on the payments, a Chapter 7 case may not be the right choice for you.

Unfortunately, certain types of debt are not dischargeable under bankruptcy. A few examples include obligations to pay spousal support (alimony), child support, student loans, most taxes, and debts that result from your causing death or injury, either willfully and maliciously, or while under the influence of drugs or alcohol.

Brea, California Chapter 7 Filing Lawyer

At the Law Offices of Nicholas Gebelt, we help people file for Chapter 7 bankruptcy protection. We will thoroughly analyze your financial situation to determine which type of bankruptcy you qualify for. In addition, if you qualify for more than one chapter — it sometimes happens — we will clearly explain the pros and cons of each approach so you can make an informed decision. If bankruptcy is not the right option for you, we will tell you. If you decide to proceed with bankruptcy, we will be with you through every step of the process.

How Chapter 7 Works

If your income is below the median income in California for a household of your size, you may be eligible for Chapter 7 bankruptcy. Even if your income exceeds the median income, you may still qualify for Chapter 7 relief if you pass the means test. The means test is quite complicated to describe, and a detailed discussion is best left to an in-person meeting with attorney Gebelt.

Attorney Nicholas Gebelt will work with you to prepare a thorough and detailed bankruptcy petition, and thus avoid potential problems at the trustee hearing. He will file the petition for you with the court and represent you at your required hearings. You are not going through this alone!

Benefits of Bankruptcy

When you file for Chapter 7 bankruptcy, an automatic stay is triggered, which stops collection activities against you during the pendency of your bankruptcy case. In particular, the automatic stay will stop creditor calls and prevent creditors from garnishing wages, filing liens, foreclosing on liens and repossessing collateral or property.

Law Offices of Nicholas Gebelt

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