San Jose Bankruptcy: The Benefits of Chapter 7

Chapter 7 Bankruptcy is the elimination of most or all your unsecured debt. For many San Jose residents, this is a very big benefit.  Unsecured debt is debt that is not secured, or attached, to any of property. The most usually seen of unsecured debt that will be eliminated in a Chapter 7 Bankruptcy are credit cards, medical bills, payday loans, utility bills and personal signature loans. All of those types of debt are eliminated. In other words, upon successfully completing of a Chapter 7 Bankruptcy you will not owe your creditors anything for most types of unsecured debts. By contrast, in a Chapter 13 Bankruptcy, you have to typically back part of your unsecured creditors. While there are some types of debt that cannot be eliminated in any bankruptcy, the principle benefit of a Chapter 7 Bankruptcy is the elimination of most type of unsecured debt.

Another benefit of Chapter 7 Bankruptcy is that you can obtain relief from your debts in a shorter period of time. The typical Chapter 7 Bankruptcy case lasts only three to four months from the date you file your Chapter 7 Bankruptcy case with the court until you receive your discharge. Chapter 13 BK is a repayment plan that lasts 36 to 60 months. A Chapter 7 Bankruptcy can help you become debt free in only three to four months.  Call Sagaria Law and schedule your appointment with a knowledgeable San Jose attorney regarding your options.

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