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ATTN: We've moved! As of June 1, 2022 we will be at 198 Portage Trail Ext. W, suite 100B, Cuyahoga Falls, OH 44223. Please contact us to schedule an appointment before coming to the office.
Chapter 7
Heydorn & Crull|198 Portage Trail Ext. W, Suite 100B, Cuyahoga Falls, OH 44223|(330) 461-9932

Chapter 7 Bankruptcy Cases

A Chapter 7 case allows you to discharge several types of debt. In almost all cases, you will no longer owe credit card debt, medical debt, payday loans, debt associated with repossessed vehicles, and many other types of debt that are discharged under a Chapter 7 case. Unfortunately, there are some exceptions to the discharge: child support payments, recent tax debt, and, in most cases, student loan debt, cannot be discharged in bankruptcy.

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In a Chapter 7 case, you should be able to keep your property. This is because the Bankruptcy Code protects you from the bankruptcy trustee through several exemptions. This means that you’ll get to keep your property and enjoy resources that help you get back on your feet.
You can also keep your home and cars in most Chapter 7 cases. There are exemptions you can use to protect the equity in both your home and your car. If you are current on the payments and can afford to continue making the payments, you are allowed to reaffirm your home and car loans with your lenders. You can even reaffirm loans for which payments are past due, but you will have to bring the loans current before doing so.


We strive to make all our services as affordable as possible for our clients. That's why we ensure your upfront costs are low, so you can enjoy financial freedom as soon as possible. We are offering $0 down and 0% financing for 12-months on Chapter 7 filings. Contact us today to learn more!

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