Chambers Law Firm P.C.
Affordable Bankruptcy & Immigration Attorney

Chapter 7 bankruptcy, often called “liquidation bankruptcy,” allows individuals to eliminate most of their unsecured debts, such as credit card debt, medical bills, and personal loans. The process typically involves selling non-exempt assets to repay creditors, but many people find they can keep most, if not all, of their property.

To qualify for Chapter 7, you must pass a means test that compares your income to the median income in your state. If your income is below the median, you generally qualify. If it’s above, you may still qualify based on your expenses and debts. The means test is designed to ensure that Chapter 7 is reserved for those who truly need it.

Chapter 7 can discharge many unsecured debts, including:
-Credit card debt
– Medical bills
– Personal loans
– Utility bills
– Some tax debts (under specific conditions)

However, not all debts can be discharged. These include:

– Student loans (except in cases of undue hardship)
– Child support and alimony

– Most tax debts

– Court fines and penalties

The fear of losing property is common, but many people keep most or all of their belongings through exemptions. Exemptions protect certain assets from being sold to pay off creditors. These can include your home, car, retirement accounts, and personal items. The specific exemptions you can claim depend on your state’s laws.

The Chapter 7 process typically takes about 3 to 6 months from start to finish. After filing your petition, you’ll attend a meeting of creditors (also known as a 341 meeting) where you’ll answer questions about your finances. If all goes smoothly, the court will issue a discharge order, relieving you of the responsibility to pay the discharged debts.

Yes. Our immigration practice includes family‑based petitions, green cards (adjustment and consular processing), fiancé(e) visas, naturalization, asylum and other humanitarian relief (U, T, VAWA, SIJS, TPS, DACA), NACARA, and removal defense in Immigration Court.

No, we do not offer free consultations for immigration matters. However, our consultations are lower than average—just $100. During your consultation, we review your goals, eligibility, timelines, and documentation, so you leave with a clear, informed plan.

Absolutely. We offer bilingual representation in English and Spanish, provide translated explanations when needed, and ensure you understand each step of your case.