Chapter 7 Bankruptcy & Debt Relief Services
Bankruptcy and Debt Relief for seniors aged 60 and older.
Senior Advocacy Network provides affordable, hands-on assistance to eligible individuals seeking relief from consumer debt through Chapter 7 bankruptcy.
Chapter 7 bankruptcy can help eliminate many types of unsecured debt, including credit cards, medical bills, personal loans, collection accounts, and certain judgments. Once a bankruptcy case is filed, the automatic stay generally stops most collection activity, including creditor calls, collection letters, wage garnishments, and many creditor lawsuits. Our goal is to help clients understand their options, protect their rights, and obtain the financial relief and fresh start that bankruptcy law is designed to provide.
Affordable Help When You Need It
Senior Advocacy Network offers Chapter 7 bankruptcy services on a sliding-scale fee basis, making experienced legal assistance available to individuals who may otherwise be unable to afford representation.
You do not have to face overwhelming debt or aggressive creditors alone. Our attorneys and paralegals provide practical, compassionate, hands-on assistance throughout the entire process so you can move forward with greater financial stability and a fresh start.
Our Chapter 7 Services Include:
- Initial bankruptcy eligibility and debt-relief evaluation
- Review of debts, income, assets, and financial circumstances
- Preparation and filing of the Chapter 7 bankruptcy petition and required schedules
- Assistance gathering and organizing required financial documents
- Guidance through required credit counseling and debtor education
- Preparation for and assistance with the bankruptcy trustee process and Meeting of Creditors
- Attorney representation
- Assistance with reaffirmation agreements, when appropriate
- Requests for court filing-fee waivers or installment payments, when eligible
- Guidance regarding creditor lawsuits, judgments, garnishments, and other collection activity
- Ongoing support from experienced attorneys and trained paralegals from beginning to discharge
The Process in a Nutshell
We begin by reviewing your financial situation to determine whether Chapter 7 is appropriate for you. If you qualify and decide to proceed, our team helps prepare the required paperwork and supporting documents. Once the bankruptcy case is filed, most creditors must immediately stop collection efforts.
Most Chapter 7 clients attend one short meeting with the bankruptcy trustee, called the Meeting of Creditors. In a typical case, no court appearance before a judge is required. After all requirements are completed, eligible debts are discharged, meaning the client is no longer legally responsible for paying those debts.
Chapter 7 does not eliminate every type of debt, and eligibility depends on the individual circumstances of each client. Our attorneys explain what bankruptcy can and cannot accomplish before you decide whether to file.