Chapter 7 Bankruptcy Attorneys Across the United States
Liquidation bankruptcy that eliminates most unsecured debts within 3–6 months. Find a verified Chapter 7 attorney near you — free consultations available.
What Is Chapter 7 Bankruptcy?
Chapter 7 bankruptcy — often called liquidation bankruptcy or straight bankruptcy — is a federal legal process that allows individuals and businesses to discharge most unsecured debts, including credit cards, medical bills, and personal loans. A court-appointed trustee reviews your assets, and any non-exempt property may be sold to repay creditors. Most Chapter 7 cases are "no-asset" cases, meaning filers keep all of their belongings. The entire process typically completes in 3 to 6 months.
Who Qualifies for Chapter 7?
- Individuals whose income falls below their state's median income level
- People who pass the Chapter 7 means test (income minus allowed expenses)
- Those who have not filed Chapter 7 in the past 8 years
- Individuals with primarily unsecured debt (credit cards, medical bills, personal loans)
- Small business owners seeking to close and discharge business debts
Chapter 7 — Key Facts
- Average Case Duration
- 3–6 months
- Court Filing Fee
- $338
- Typical Attorney Fee
- $1,000–$3,500
- Credit Report Impact
- 10 years
- Means Test Required
- Yes
- Asset Liquidation
- Possible (exempt assets protected)
Ready to speak with a Chapter 7 attorney?
The Chapter 7 Process — Step by Step
Credit Counseling
Complete a required credit counseling course from an approved provider within 180 days before filing.
File the Petition
Your attorney files a bankruptcy petition, schedules of assets and liabilities, and a statement of financial affairs with the federal bankruptcy court.
Automatic Stay
Immediately upon filing, an automatic stay halts all collection calls, wage garnishments, lawsuits, and foreclosure proceedings.
341 Meeting of Creditors
Attend a brief meeting (usually 5–10 minutes) with the bankruptcy trustee. Creditors may attend but rarely do.
Discharge
Approximately 60–90 days after the 341 meeting, the court issues a discharge order eliminating your qualifying debts.
Chapter 7 Bankruptcy Attorneys — Nationwide
6,685 attorneys foundCharles O. Zebley, Jr.
Charles O. Zebley, Jr.
Charles O. Zebley, Jr. at Charles O. Zebley, Jr. has handled 1 federal bankruptcy case in federal court.
Daniel S. Morgan
Law Office of Daniel S. Morgan
Primary practice area: Bankruptcy & Debt. Avvo Rating: 7.2/10 (Very Good). 30 years of experience. Bar admissions: Montana (1995). Awards: BV Rated - 2016.
Emmanuel F. Fobi,esq
Law office of Emmanuel F. Fobi
James E Ford
Law Office of James Emil Ford
Primary practice area: Bankruptcy & Debt. Avvo Rating: 6.5/10 (Good). 47 years of experience. Bar admissions: Illinois (1978).
Stuart M Nachbar
Law Office of Stuart M Nachbar
Primary practice area: Bankruptcy & Debt. Avvo Rating: 10.0/10 (Superb). 31 years of experience. Bar admissions: New York (2018), New Jersey (1994). Awards: A+ Rating - 2017, AV Preeminent Rated - 2017, Client Champion Award - Gold - 2017.
William Harville
The Law Office of William Harville
William Harville at The Law Office of William Harville has handled 2 federal bankruptcy cases in federal court.
Tessa Kalyne Conard
Tessa Kalyne Conard has handled 1 federal bankruptcy case in federal court.
Donald Thomas Williams, Jr
Donald Thomas Williams, Jr has handled 1 federal bankruptcy case in federal court.
Hannah Lynn Berny
Hannah Lynn Berny has handled 1 federal bankruptcy case in federal court.
James Rigby
James Rigby has handled 1 federal bankruptcy case in federal court.
5 White Pine Lane, LLC
5 White Pine Lane, LLC has handled 1 federal bankruptcy case in federal court.
320 Mohawk Ave LLC
320 Mohawk Ave LLC has handled 1 federal bankruptcy case in federal court.
Chapter 7 Bankruptcy Attorneys by State
Browse Chapter 7 attorneys in every state. Click a state to see local attorneys and city-level listings.