The Chapter 7 Solution is an excellent tool for you if you are trying to get a fresh financial start. Chapter 7 bankruptcy can help you get rid of unmanageable debt, stop foreclosures, fight creditor harassment, erase certain court judgments, modify certain motor vehicle, loans, and escape executory contracts.

How Can A Chapter 7 Bankruptcy Help You?

If you are drowning in a waterfall of debt and you cannot see any way out, the Chapter 7 solution may be the life raft you need for a fresh start.

There are various elements of a Chapter 7 solution that can help you:

1. The Automatic Stay: When you file a Chapter 7 bankruptcy petition with the United States Bankruptcy Court of New Jersey, you are usually given the protection of the automatic stay which allows you to take a breath from the onslaught of debt you are facing. The automatic stay basically places a force field around you and your possessions and stops almost all creditors and their agents from harassing you or trying to collect debts. In order to continue they must wait for the bankruptcy case to be closed or they must ask the court to remove the stay order if they have a legal reason.

The Chapter 7 solution stay can:

Stop Wage Garnishments
Stop Creditor Harassment
Stop Foreclosures
Allow You Time To Seek A Mortgage Modification
Stop Repossessions of Vehicles

2. The Discharge: If you qualify for a discharge in a Chapter 7 Bankruptcy, many or most of your debts may be dischargeable when the Bankruptcy case is over. When you receive a discharge, you are given a fresh start because you are no longer personally liable for the debt you had on the day you filed the petition.

The Chapter 7 solution discharge can:

Wipe Out Garnishments
Get Rid Of credit Card Debt
Get Rid Of Medical Bills
Get Rid of Personal loans
Get Rid Of Most Unsecured Debt
Lower your monthly payments on certain debt
Get Rid Of Older Income Taxes
Get Rid Of Repossession Deficiencies
Help Get Rid Of Judgments
Modify certain second mortgages
Free up your money for mortgage payments

Get Your Chapter 7 Solution Assessment Now or Contact Us at 609.897.0430 or

To learn more about  the Chapter 7 solution compared to the Chapter 13 solution read our article on Chapter 7 v. Chapter 13.   Also read our Bankruptcy FAQs which we believe is the best on the internet.   If you think we can do better, contact us at and tell us how.

If you want to learn more about how bankruptcy can impact the loan modification process, subscribe and receive a free copy of our ebook, 10 Secrets to Successful Loan Modification by Rhinold Lamar Ponder.

Ponder Tuck Ponder, Bankruptcy Attorneys
Ponder Tuck Ponder, Bankruptcy Attorneys


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