When you need a financial fresh start, our bankruptcy attorneys can help. We have over 45 years of experience helping people in Maine, with free consultations available by phone, email, or online. Chapter 7 bankruptcy — sometimes called liquidation bankruptcy — is the most common form of bankruptcy, chosen by people struggling with unpaid loans, credit card debt, medical bills, or other personal bills.
Benefits of filing for bankruptcy:
When you file for Chapter 7 relief, a trustee collects and liquidates any property that isn’t exempt to cover your debts. Most Chapter 7 cases are “no-asset” cases — meaning everything the debtor owns is exempt. It’s best to talk with an experienced bankruptcy attorney to understand the specifics of your situation.
Certain property is exempt under Maine law, meaning trustees can’t take it when you file. This can include:
A Chapter 7 case begins with filing a petition with the bankruptcy court, along with several other required documents:
You’ll also need to file a certificate of credit counseling, along with any debt repayment plan from that course. Filing correctly matters for your case to move smoothly — our Bangor attorneys make sure everything is properly prepared and nothing is missing.
Chapter 7 isn’t the best fit for everyone. You may want a free consultation if:
Every situation is different. We’ll walk through your options together, including Chapter 13, at no cost to you.
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