Chapter 7 bankruptcy liquidation

Law Office of 
Charles E. Andersen

Chapter 7 is also know as straight bankruptcy if you don't want to repay any debt, chapter 7 is an option to consider
Chapter 7 is also called a fresh start bankrutpcy
The US Trustee is a participant in a chapter 7 Hon. John C. Ninfo chief US Bankruptcy Court Judge US Bankruptcy Court
Law firm

of Charles E. Andersen


filing a chpater 7


Chapter 7 Discharge




       An individual Chapter 7 debtor must be granted a discharge, unless one of the ten independent statutory grounds for denial of a Chapter 7 discharge applies.[ B.C. 727(a)] The effect of the discharge is to discharge the debtor from all debts that arose prior to the order for relief under Chapter 7, as well as from all debts that, under Bankruptcy Code section 502, are treated as pre-petition debts.


Exception; non-dischargeable debts: The discharge does not include particular debts that the court has determined to be non-dischargeable under section 523. It is important to distinguish between a denial of the entire discharge under section 727, and a determination under section 523 that a specific debt is non-dischargeable. A denial of the entire discharge allows all creditors to pursue their claims post-bankruptcy; whereas if a discharge is granted, only those creditors who are owed debts found to be non-dischargeable under section 523 will be free to collect their claims post-bankruptcy



Dismissal for cause

obtaining a chpater 7 discharge the bar date has passed arriving at the office
I hope he's in



sitting down to sign







Chapter 7&13

If you qualify



  • Creditor Harassment
  • Stop utility shutoffs
  • eliminate payments on unsecured debts.
  • Improve bad credit
  • Surrender car, and other secured collateral without incurring a "deficiency"

**For Chapter 13 cases with wage order and balance paid through a trustee as part of a partial re-payment plan and not paid directly to the attorney. Court filing fee is extra.

  • Emergency Petitions filed
  • Ask to see a statement of clients rights and responsibilities


Free Consultation

Reasonable rates



Call now









attorneys pen


Signing the court papers shaking hands leaving attorneys office

200 William St. STE 204A
Elmira, NY 14901
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receipt of filing automatic stay order for relief section 341 Notice
meeting fo the creditors court discharge order debt wipe out