Chapter 7 Bankruptcy

Don’t Let Debt Defeat You: Chapter 7 Bankruptcy Can Provide a Fresh Start

If you are plagued by debt, filing a Chapter 7 bankruptcy may be the most effective way a) to protect yourself  from creditor harassment and b) to achieve a fresh start financially.

A Chapter 7 is a straight liquidation bankruptcy. With certain exceptions, the individual debtor keeps all or almost all of his or her property, while  a) discharging all or almost all of his or her unsecured debts and b) paying nothing to unsecured creditors.

Filing Chapter 7 is not as easy as it used to be. The Bankruptcy Reform Act of 2005 made it much more difficult to qualify for Chapter 7.  The determination of Chapter 7 eligibility is a complicated and complex process, and requires the skill of an accomplished bankruptcy attorney. Basically, if you earn too much income, and if you don’t have the “correct” type of expenses, such as a mortgage or car payment, you may not qualify for Chapter 7. You have too much disposable income left over after you satisfy your necessary living expenses.

Richard Garber knows all the nuances, “ins” and “outs” as it were, of qualifying his clients for Chapter 7.  For example, many people – including many attorneys who claim they know bankruptcy – don’t realize that social security income is NOT supposed to be counted as income for purposes of determining a debtor’s eligibility for Chapter 7;  this can be critical in close cases where the debtors have multiple sources of income. Richard Garber knows how to qualify his debtor clients for Chapter 7.  Richard Garber has helped many clients qualify for Chapter 7 even after they had been told by other attorneys that they earned too much income to qualify for Chapter 7.  

Richard Mark Garber is a licensed bankruptcy attorney who is ready to help you file for Chapter 7.  He can make the phone calls stop; he can make the threatening collection letters stop. Richard Garber has helped more than 1500 clients to discharge their debts and to achieve a financial fresh start.  He can do the same for you.  What will Richard Garber do for you?  He will:

  • Analyze your debts
  • Help you value your assets, to determine whether you risk losing property by filing Chapter 7
  • Determine and maximize your property exemptions
  • Determine you eligibility for Chapter 7 or Chapter 13
  • Assist you in reaffirming your auto loans
  • Prepare and create all of the necessary Chapter 7 forms
  • Give you peace of mind
  • Stop all wage garnishments and/or bank levies 
  • Advise you as to whether Chapter 7 or Chapter 13 is better for you

Beyond guiding you through the Chapter 7 process, the Law Offices of Richard Mark Garber will instruct you as to the best course of action. Chapter 7 isn’t for everyone, and there are numerous factors to consider. There also are alternatives to Chapter 7 if it turns out that Chapter 7 is not your best option. No matter what your situation is, you can always trust the Law Offices of Richard Mark Garber to give the honest, sound, and trustworthy legal advice that you need to resolve your financial problems.


To schedule a free consultation, please call us today at  (818) 762-8120.


I’m sure you have many questions. For a FREE CONSULTATION, Call The Law Offices of
Richard Mark Garber at 818-762-8120 and I will be more than glad to offer you my advice.