How Chapter 7 Bankruptcy Works


How Chapter 7 bankruptcy can help you cancel your debts, protect your exempt property, and stop bill collectors.



Chapter 7 bankruptcy can cancel most of your debts. Legally, this is called having your debts "discharged."

To get this discharge, you must surrender all property that isn't protected ("exempt") under bankruptcy law. Your property will be sold by the bankruptcy trustee to pay your creditors as much as possible.

Choose your state from the list on this page to get local details on the following topics:

  • Debts You Can Discharge
  • Debts You Can’t Discharge
  • Stopping Debt Collectors
  • Protecting Exempt Property
  • Figuring Out if You’re Eligible
  • How to File for Bankruptcy


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Jurisdictional relevance: ST

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