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Chapter 7 Bankruptcy

Chapter 7 bankruptcy is referred to as a liquidation bankruptcy that discharges your debts and gives you a fresh financial start.

In a typical Chapter 7 bankruptcy case after approximately 90 days from the day you file for relief under chapter 7, most of your debts will be discharged. This means you are no longer liable to pay the debt. Some debts are not discharged, however, and you still must pay them.  Examples of non-dischargeable debts include past-due child support payments, some taxes and student loans.

Throughout the Chapter 7 bankruptcy process it may be possible to keep your personal possessions and even some assets, such as your car, home, 401k and other qualified retirement accounts, portions of your tax refund and your current bank accounts.  There are specific exemptions established by the State of Ohio that allows you to keep certain property throughout the bankruptcy process.  Together we review your personal possessions and assets prior to your case being filed with the court.

Not everyone can file for Chapter 7 bankruptcy relief.  Those that  have filed for relief under Chapter 7 within the past eight years and those who meet specific income requirements may be required to repay a portion of their debt by filing a Chapter 13 Bankruptcy.

If you are tired of harassing phone calls, worrying about your finances and the future,  I can help.  Chapter 7 bankruptcy may be one option available to you.

Eden R. Sarver

Eden R. Sarver, Attorney at Law

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