Roseville Bankruptcy: Chapter 7 Benefits

Whereas Chapter 13’s benefits  are primarily concerned with addressing your secured debts, Chapter 7 instead is primarily for handling unsecured debt.  Many Roseville residents who have unsecured debts such as credit card debt, unpaid medical bills, payday loans, or personal loans have utilized Chapter 7 to get a fresh start.  These unsecured debts are not tied to any property, and Chapter 7 eliminates them.  After Chapter 7, your obligations to unsecured debt is discharged, unlike Chapter 13 where at least part of your debts are repaid in your repayment plan.  Though some debts are un-dischargeable, Chapter 7 allows you to eliminate almost all types of unsecured debt.

The next benefit of Chapter 7 is its speed.  Chapter 7 bankruptcies are usually completed in as little as three to four months from filing.  Where Chapter 13 has a three to six year repayment schedule, Chapter 7 can completed in just a few months.  To learn more about which filing is right for you, call Sagaria Law today to schedule a consultation.

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