Guiding Individuals Through
Chapter 7 Bankruptcy

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Charlotte Chapter 7 Bankruptcy Attorneys

Personalized Legal Counsel to Fit Your Circumstances

At Saffa Law Group, we have helped over 1000 clients obtain debt relief through bankruptcy. Each of our clients are treated as aname, not file number. Whenever you come into our office to discuss your case, you will always meet with your Charlotte bankruptcy attorney. We know how important your case is to you and never assign paralegals or legal secretaries to meet with clients.

We at Saffa Law Group are confident in our abilities to help you with your case, no matter how straightforward or complex. We can ensure your petition is filled out and filed in a timely and appropriate manner. When you entrust your case to us, you can feel at ease in knowing your bankruptcy filing is in good hands.

In order to file for Chapter 7 bankruptcy, an individual must do the following:

  • Prove financial hardship by passing a " means test"
  • File all necessary bankruptcy forms to the appropriate court
  • Disclose information regarding current expenses and debts

Is Chapter 7 Bankruptcy Right for You?

Chapter 7 may be a good option if you:

  • have "unsecured debts" (i.e. credit cards, medical bills, personal loans, etc.) that you can no longer afford to pay
  • have "secured debts" (i.e. home loan, vehicle loan, furniture loan, etc.) that cannot afford to keep and wish to surrender
  • have had a lawsuit filed against you over a debt
  • are facing a vehicle repossession

When Filing for Chapter 7 bankruptcy, you can:

  • keep and repay any "secured" debts (i.e. home, vehicle or furniture loans) that you want to keep
  • surrender (i.e. give back) any secured debts you no longer wish to keep
  • discharge (i.e. wipe out) your "unsecured" debt (i.e. credit cards, medical bills, personal loans, etc. - except for things like student loans, alimony, child support)

If you were to lose a home in a foreclosure, or a vehicle in a repossession, the creditor could then sell the property they took back and sue you for any balance left over. This is called a " deficiency claim". However, when you file for Chapter 7 bankruptcy and surrender property back to the creditor, they get the property back...and thats it. They cannot then later sue you for any deficiency. This is another big protection afforded through bankruptcy.

If you are interested in pursuing this type of bankruptcy, don't make the mistake of thinking you can do this alone. You run the risk of filing for the wrong chapter or failing to submit required documents. Don't let this happen to you. Let us guide you through it.

Take the first step toward debt relief by requesting a free evaluation of your case.

Not sure if you are eligible? Call Saffa Law Group today!

For the caring and reliable legal guidance you need, please contact us without delay. Once we determine if you are eligible to file for Chapter 7 bankruptcy, we can walk you through the entire bankruptcy-filing process so you never feel lost or confused about your options.

We are here to help you make smart and informed decisions regarding your financial situation.