Individuals with unsecured debt
People with credit card, medical, or personal loan debt they can no longer afford to pay.
Consumer Bankruptcy
Chapter 7 Bankruptcy
Chapter 7 creates a fresh start for individuals who need to eliminate debt they can no longer afford to pay. It provides immediate relief from creditor calls, lawsuits, and most wage garnishments.
Overview
How Chapter 7 bankruptcy works
Chapter 7 is designed to move quickly. In most cases, you receive your discharge about 90 days after your case is filed.
In a Chapter 7 case, you surrender non-exempt assets to the trustee for liquidation. Most debts that you do not reaffirm are discharged, which relieves you of responsibility for them even if they cannot be paid from the proceeds.
01
Credit card and medical bills you cannot pay
02
Constant collection calls and letters
03
A lawsuit or judgment against you
04
Wage garnishment
Our Approach
Is Chapter 7 right for you?
Chapter 7 is not the right fit for everyone. Your income, the property you own, and the types of debt you have all affect whether Chapter 7 or Chapter 13 makes more sense.
We start by listening to your situation and answering your questions. Then we help you decide on the best course of action and guide you through each step, including making sure all the required forms are completed accurately.
Who We Help
Who we represent
People facing collection
Anyone dealing with collection calls, a lawsuit, a judgment, or a wage garnishment.
Our Services
Our Chapter 7 services include
Not sure which service fits your situation? Contact us and we will help you sort it out.
Request A ConsultationChapter 7 filing
Preparing and filing your case and representing you through discharge.
Asset protection
Protecting your property using the exemptions available under North Carolina law.
Guaranty defense
Defense when a lender seeks to hold you personally responsible for a loan you guaranteed.
Bankruptcy litigation and adversary proceedings
Representation in lawsuits filed within a bankruptcy case, such as disputes over whether a debt can be discharged.
Biggs Law Firm
Meet your attorney
Former Chapter 13 Trustee, Eastern District of North Carolina.
Joseph A. “Jody” Bledsoe IIIAttorney
View Full BioChapter 7 BankruptcyYour First Consultation
Preparing for Your Consultation
What to bring
Bring a list of your debts, any collection letters or court papers, recent pay stubs, and information about your home, vehicles, and other property. We will let you know if we need anything else.
Call 919-375-8040 to scheduleFAQ
Frequently asked questions
These answers are general information, not legal advice. Every situation is different, so talk with an attorney about yours.
How long does Chapter 7 take?
Most people receive their discharge about 90 days after their case is filed.
Will I lose my property in Chapter 7?
Not necessarily. North Carolina law lets you protect certain property through exemptions. Non-exempt assets can be surrendered to the trustee, so we review your property with you before you file.
Does Chapter 7 stop wage garnishment?
Filing stops most wage garnishments. Garnishments for child support are an exception.
Unable to keep up with credit cards, medical bills, or collection calls?
Schedule a consultation with one of our attorneys.