Chapter 7

Although a Chapter 7 filing you may be able to retain most or all of your assets, you will be able to discharge almost all debts entirely. At the Soubra Law Firm can determine if you qualify for a Chapter 7 Bankruptcy, we can determine if all of your debts can be discharged and assist you keeping as much of your property under the Bankruptcy Code.

Eligiblity For Chapter 7

In order to file for Chapter 7 Bankruptcy, you must be able to pass the “means test.” According to Federal Law, if your household income is less than the median household income in your state, you will be able to file for Chapter 7 relief. However, if your house hold income is greater than the median household income, under certain circumstances you may still be able to Chapter 7, but that is not always the case.

You want to be sure to speak with me if you are contemplating about Bankruptcy. It is important that you speak to an attorney who has handles bankruptcy cases in the past. Bankruptcy allows you to get a fresh start and not worry about many of your bills. Sometimes paying a Bankruptcy Attorney to discharge your debt it is just a small percentage that you pay to alleviate that burdensome worry that your money is going to past due bills. If you need your money to buy essential items such as gas, food, and clothing or pay essential bills like your mortgage to keep your home or utilities such as water and electricity, you should speak to me with regards to Bankruptcy and the benefits behind it. Also, in the Bankruptcy code, it allows for exemptions on a certain amount personal properties, cash on hand, equity in your home, etc. You should speak with me to see how much exemptions that you qualify for and you may be able to save all your items because it changes from year to year. Many times it increases allow you to keep more properties and proceeds for you.

Chapter 7 is a powerful tool for those who cannot pay their bills anymore and looking for a fresh start. Almost all debts can be discharge except for certain ones like student loans (except for showing undue hardship-which is very difficult to do). To be eligible for Bankruptcy protection, you must pay the means test. The means test will look at your family size and then your income. There are times where your income can be higher than the means test. Then there a second test where it considers how much debt you have with respect to your income to qualify for Chapter 7 benefits. I can assist you with this to see if you qualify for Chapter 7 protection.


In Chapter 7 bankruptcy, some of your property may be liquidated (sold) to pay your creditors.

Chapter 7 will discharge you of unsecured debt such as:

  • Medical Bills
  • Wage garnishments
  • Judgments
  • Credit Card Debts
  • Utility Bills
  • Certain Tax Debts

Another benefit for filing a Chapter 7 Bankruptcy is that you will immediately receive an automatic stay. When the automatic stay is in place, creditors are prohibited from calling, writing or taking other action to collect debt. If you do not qualify for Chapter 7, you will be eligible to file for Chapter 13 Bankruptcy.

Contacting Us:

If you are struggling paying your bills, contact the Soubra Law Firm to schedule an appointment.

Soubra Law Firm 5100 Buckeystown Pike #250 Frederick, Maryland 21704 Phone: (301) 219-5038 e-mail:



As your Frederick Bankruptcy Chapter 7 Attorney, the Law Firm is here to serve Frederick, Montgomery, Washington, and Carroll Counties as well as the remaining Maryland area. The Firm would like to be your Bankruptcy Chapter 7 Lawyer.

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