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Estate Planning
Small Business Law
Family Law
Chapter 7 Bankruptcy
Blog
Privacy Policy
TERMS OF USE
CourtAcademy
Contact the Legal Joint
More
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Chapter 7 Bankruptcy: Fresh Start with The Legal Joint, LLC

Check out our FAQ's and schedule a call with our attorney for FREE to see Chapter 7 is a good fit for your FRESH START!


Chapter 7 bankruptcy, often referred to as "liquidation bankruptcy," is designed to give individuals a fresh financial start by eliminating unsecured debts, such as credit cards, medical bills, and personal loans. It's one of the most common types of bankruptcy because it can quickly relieve overwhelming debt, allowing you to regain control of your financial future. 


 

The Chapter 7 process typically involves a few phases:

  • Filing a Petition: Our team at The Legal Joint, LLC will file a bankruptcy petition with the court on your behalf. This filing immediately stops most collection activities, including creditor calls, wage garnishments, and lawsuits.
  • Meeting with a Trustee: About 30 days after filing, you’ll attend a “341 Meeting of Creditors” with a court-appointed trustee to review your case. Our experienced attorney will prepare you for this meeting and accompany you to ensure the process goes smoothly.
  • Debt Discharge: In most cases, within 3-4 months of filing, you’ll receive a discharge of eligible debts, meaning you are no longer legally required to pay them.


Not everyone qualifies for Chapter 7 bankruptcy. Here are some basic requirements:

  • Income: Your income must fall below a certain threshold, as determined by Ohio's "Means Test." Our knowledgeable attorneys can help you determine if you qualify.
  • Type of Debt: Chapter 7 primarily eliminates unsecured debts. Secured debts like car loans or mortgages are treated differently.
  • Previous Filings: If you've filed for Chapter 7 bankruptcy in the past, there are waiting periods before you can file again.

Our attorneys can help you figure out if you might qualify. Click here to schedule with one of our attorneys!


Choosing to file for Chapter 7 bankruptcy can provide numerous advantages, such as:

  • Immediate Relief: The automatic stay halts creditor harassment, wage garnishments, and collection activities right away.
  • Quick Process: Chapter 7 cases generally take only a few months from start to finish.
  • No Repayment Plan: Unlike Chapter 13, Chapter 7 doesn’t require you to enter into a long-term repayment plan.
  • Fresh Financial Start: Once your debts are discharged, you’ll have the opportunity to rebuild your credit and create a healthier financial future.


In Ohio, certain assets are protected by exemption laws, which means you may be able to keep:

  • Home Equity: Up to a certain amount in equity in your primary residence.
  • Vehicle Equity: A limited amount of equity in one vehicle.
  • Household Items: Essential household goods, clothing, and appliances.
  • Retirement Accounts: Most 401(k), IRA, and other retirement accounts are protected.

Our attorneys at The Legal Joint, LLC will work with you to identify which assets are exempt and help you navigate the process to maximize your protection.


Chapter 7 bankruptcy can eliminate many types of debts, including:

  • Credit Card Debt
  • Medical Bills
  • Personal Loans
  • Utility Bills
  • Certain Tax Debts

However, some debts are not dischargeable, such as:

  • Student Loans (except in rare circumstances)
  • Child Support and Alimony
  • Certain Tax Obligations
  • Debts from Fraud or Intentional Harm


At The Legal Joint, LLC, we understand that filing for bankruptcy is a major decision that can feel overwhelming. That’s why we’re dedicated to providing compassionate, non-judgmental guidance throughout the entire process. Here’s what sets us apart:

  • Affordable Flat Fees: No hidden costs or surprises—just clear, flat fees for our services.
  • Payment Plans Available: We offer flexible payment plans to make the process accessible to everyone.
  • Local Expertise: We serve clients in Cuyahoga, Summit, and Lorain counties, and we understand Ohio’s unique bankruptcy laws.
  • Personalized Attention: We know that every financial situation is different. Our attorneys will take the time to understand your circumstances and provide tailored advice to help you achieve the best possible outcome.


At The Legal Joint, LLC, our goal is to help you find the financial freedom you deserve. If you’re struggling with debt and considering Chapter 7 bankruptcy, schedule an initial consultation today. We’ll answer your questions, explain the process in detail, and help you decide if Chapter 7 is the right choice for you. 

Contact Us Today for a Fresh Start!

Take the first step towards financial relief. Contact us to schedule a consultation and discover if Chapter 7 bankruptcy is the right solution for you.


1. Will I lose my home or car if I file for Chapter 7?You may be able to keep your home or car if they fall under Ohio’s exemption limits. Our attorney will review your assets to determine what’s protected.


2. How long does a Chapter 7 bankruptcy stay on my credit report? Chapter 7 bankruptcy can remain on your credit report for up to 10 years. However, many people find they can begin rebuilding their credit shortly after the discharge.


3. Can I include all my debts in a Chapter 7 bankruptcy? While most unsecured debts can be discharged, some debts are non-dischargeable. We’ll provide a clear breakdown during your consultation. 


Schedule your FREE call today!

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Copyright © 2025 The Legal Joint, LLC - All Rights Reserved. 5005 Rockside Road #600 Independence Ohio 44131


Email - info@thelegaljoint.com

Phone - (216) 202-4486

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