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Chapter 13 Topics
Back to General guide
The Chapter 7 Program explained
What happens in a Chapter 7 bankruptcy?
Which debts will be discharged?
Will all debts be discharged?
If I receive property after filing?
What will it cost?



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What happens in a Chapter 7 bankruptcy?

A. Chapter 7 bankruptcy, sometimes called a regular or liquidation bankruptcy, is the simplest, least expensive, and most popular. Chapter 7 bankruptcies are for individuals and all businesses. The basic procedure is this: The proper bankruptcy papers are prepared by your attorney, signed by you, and filed in the Bankruptcy Court; The Court sends notice of your bankruptcy to your creditors; You appear at a short Trustee's hearing in Youngstown, Jefferson, Cleveland or Akron, depending on where you live, and In a few months (provided there are no complications) you receive your Discharge Order from the Bankruptcy Court, which certifies that you do not owe any of your dischargeable debts. Please read on for an explanation of dischargeable debts.