Start Over with Confidence

Chapter 7 Bankruptcy Done Right

If debt feels like quicksand, Chapter 7 bankruptcy could help you reset. It’s designed for people who can’t afford to repay debts and need a clean break. We’ll help you figure out if it’s right for you—and walk you through every step.

Get a Fresh Start

How We Guide You Through It

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Assess Your Situation

We’ll review your full financial picture and explain if Chapter 7 is your best option—or if there’s a better fit.

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Protect What Matters

Certain assets may be protected under Arkansas exemption laws. We’ll help you keep as much as possible while wiping out debt.

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File the Right Way

We handle the paperwork, court filings, and creditor communications, so you don’t have to stress over missing a detail.

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Stay by Your Side

From your first consultation to your discharge notice, we’re right here answering your questions and guiding you forward.

Wipe the Slate Clean

What Chapter 7 Bankruptcy Really Means

Chapter 7 isn’t about giving up—it’s about giving yourself a second chance. It’s a legal way to eliminate qualifying debts like credit cards, medical bills, and personal loans.


While you may need to surrender luxury assets, most people filing Chapter 7 keep everyday essentials like their home and vehicle. It’s about protecting your future, not punishing your past.

Key Components

  • Means Test Qualification

    To file Chapter 7, you must pass a "means test" showing your income is below a certain level compared to state averages. Don’t worry—we’ll help you walk through it. If you qualify, you can discharge many debts quickly and start rebuilding your financial future.

  • Automatic Stay Protection

    Once you file, an automatic stay stops collection calls, lawsuits, wage garnishments, and foreclosures. This legal freeze gives you breathing room to figure out your next steps without constant pressure from creditors.

  • Debt Discharge

    At the end of your case, qualifying debts are wiped out for good. You’ll no longer legally owe most unsecured debts, giving you the freedom to rebuild without the baggage holding you down.

Chapter 7 Bankruptcy FAQs

  • What debts are erased in Chapter 7?

    Chapter 7 typically wipes out unsecured debts like credit cards, medical bills, utility bills, and personal loans. Certain debts—like student loans, taxes, and child support—are usually not discharged. We’ll help you understand exactly what debts you can eliminate.

  • Will I lose everything if I file Chapter 7?

    No. Most people keep necessities like their home, car, furniture, and personal items under Arkansas’s exemption laws. Luxury items, vacation homes, or extra vehicles might be at risk, but we’ll show you exactly what’s protected based on your situation.

  • How long does a Chapter 7 case take?

    Chapter 7 cases usually move quickly. Most cases are completed in four to six months from the filing date. Once complete, you’ll receive a discharge order eliminating qualifying debts and officially closing your bankruptcy case.

  • How does Chapter 7 affect my credit score?

    Filing Chapter 7 can initially lower your credit score. However, for many clients, scores begin improving within months after discharge because debts are cleared and debt-to-income ratios improve. Many people rebuild solid credit within two to three years.

  • Can I choose between Chapter 7 and Chapter 13?

    It depends on your financial circumstances. Chapter 7 is best for those who can’t afford repayment. Chapter 13 suits those who can repay some debt over time. We’ll help you understand your choices and recommend the best fit for your goals.