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Common examples include medical bills, some personal loans, payday loans, and tax debts. It details your credit history and accounts including credit cards, lines of credit, home loans, car loans, student loans, and some personal loans.īut be advised: Some debts won't be listed on your credit report. Your credit report is a great place to start understanding your current debts.

You're can get one free report a year from each major credit bureau (Equifax, Experian, and TransUnion). Start by getting a free copy of your credit report. Your bankruptcy discharge will probably happen sooner than you think! Also, gathering your financial documents and getting organized for your bankruptcy filing can bring some order to what feels chaotic and out of control. If you're scared to take a deep look at your finances, remind yourself that this is the first step on the path to a fresh start. How To File Chapter 7 Bankruptcy in 10 StepsĬollect Your Documents To Assess Your Finances & Debts

Here's an overview of the steps you'll need to take to get your fresh start. Most people are able to rebuild their credit and have a better score within a year of getting their bankruptcy discharge.Īnyone can file Chapter 7 bankruptcy without a lawyer. If you have great credit when your Chapter 7 bankruptcy is first filed, your credit score will likely drop a bit at first. Getting private student loans discharged is also possible, but it often requires legal help because the process is legally complex. If you have federal student loans and you meet certain eligibility criteria, you may qualify to have your student loan debt erased in your Chapter 7 case. Some debt - namely student loan debt - requires an extra step to discharge though bankruptcy. If you have any co-signers, they won't be protected by your personal bankruptcy.

Bankruptcy is a powerful debt relief tool that's helped many people, but you'll have to decide if it makes sense for your financial situation.Ī bankruptcy discharge doesn't wipe out certain non-dischargeable debts like child support obligations, alimony, and recent tax debts. It also stops a wage garnishment right away.īefore jumping in, you need to determine whether filing bankruptcy will help you. That’s the law that prohibits creditors from contacting you as soon as your bankruptcy case has been filed. How To File Chapter 7 Bankruptcy in 10 Stepsįiling any type of bankruptcy provides immediate debt relief through the automatic stay.

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