Chapter 7 Bankruptcy

Chapter 7 is the simplest and most affordable form of bankruptcy. A Chapter 7 will generally discharge your unsecured debts, such as credit card debt, medical bills and unsecured personal loans. The court will discharge these debts upon discharge of your case, approximately 3-4 months after your case is filed.

If you’re tired of negotiating with your creditors and can no longer manage the payments or stress, DebtErasers can help. Generally, immediately upon filing your case, your creditors will not be permitted to collect from you, let alone contact you. Contact us now to see if Chapter 7 is right for you.

Medical Bills

Unfortunately, millions of Americans are forced into thousands of dollars worth of medical debt every year. You shouldn’t have to decide between your present health and your future finances. Whether the creditor is merely harassing you with calls or has taken the next step to garnish your wages, bankruptcy will wipe out the debt and set you on the road to financial recovery.


If a creditor wins a lawsuit against you, and a money judgment is entered on its behalf, that creditor can garnish your wages by simply furnishing the order to your employer. Under federal law, in most instances, the creditor can garnish up to 25% of your check.

The best time to file a bankruptcy is before the creditor serves you a summons to appear in court. However, the next best time is right now. The moment you file your bankruptcy, an automatic stay goes into effect that stops the wage garnishment and requires the creditor return any funds taken from you over the 90-days prior to the filing of the bankruptcy. So, through bankruptcy, not only will the garnishment stop, but your creditor will be required to provide you a refund.

Suspended Driver's License

Uninsured Car Accident

If you were sued for a car accident and were uninsured, filing a Chapter 7 bankruptcy can help stop a lawsuit, and discharge any amount owed. Furthermore, if your license was suspended, due to the car accident, a Chapter 7 bankruptcy can help you reinstate your driver’s license in no time.

Parking Tickets

Millions of people around the country are burdened with parking tickets and have their driver’s license suspended. A bankruptcy can provide relief from ticket debt from these municipalities and help reinstate your driver’s license. For our Chicago clients, the City of Chicago has a fresh start program for those who file and receive a Chapter 7 discharge. This program provides relief from certain vehicle tickets to greatly reduce the amount owed and in many cases waive all of the fines and penalties associated with the tickets.

Personal Loans

Personal loans often feel like life lines when all other options are exhausted. However, if not paid back almost immediately, they many times become more burdensome than the debt their were originally intended for.

If personal loans have you overwhelmed, our attorneys at DebtErasers are happy to relieve you of the seemingly endless cycle of interest and payments. Reach out now to see how our team can help you.

Credit Cards

It only takes one missed payment for your credit card interest rate to jump. Compounding the increased interest rate with regular late fees, it becomes easy to understand how your total credit card debt can start to soar. Then, once you’re unable to make your minimum monthly payments, which are just enough to cover the interest on the debt, that’s when debt collection agencies start calling.

Unfortunately, the calls are normally followed by a lawsuit, seeking to garnish your wages or freeze your accounts. Filing for bankruptcy case stop the lawsuits and the aggressive collection attempts. Reach out to a DebtErasers attorney now to see how we can help relieve of your credit card debt.


Lawsuits filed by creditors can be extremely intimidating. Often a large bank or financial institution is summoning you to court to collect on an unaffordable sum of money, and you’re not sure how to defend it.

Fortunately, filing for bankruptcy will prevent the pending lawsuit from proceeding any further. Even if the lawsuit has already resulted in a judgment, in most instances, the bankruptcy will still eliminate your liability. Whether the law suit is due to an unpaid credit card, an uninsured car accident, or medical debt, the experienced attorneys at DebtErasers will be able to help you.

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