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Chapter 7

Chapter 7: Quick simple fresh start

  • Chapter 7 wipes out your debts
  • It is the easiest and shortest bankruptcy
  • Gives you a Fresh Start
  • Quickly gives you room to breath
  • Keep most assets.
  • Stops foreclosure

Who Qualifies

  • You must make less than your state's median income for a household of your family's size.
  • If your income is too large then we complete a long-form Means Test and see if we can pull your income down in order for you to qualify. Him
  • People that have too much equity in homes and cars may have to file a chapter 13 to save those assets.
  • If it appears your assets are too inviting and we believe the Chapter 7 Trustee would sell a vehicle or home, we will put you in Chapter 13 where you get to keep all of the property on your state's list of exempt property.


  • Your debt is eliminated except the debt you elect to keep
  • Credit card balances - GONE
  • Medical bills - GONE
  • Personal loans - GONE
  • Some taxes - GONE
  • Repossessions - GONE
  • Lawsuits - Gone
  • Garnishments - GONE

Time Frame

  • Generally, a Chapter 7 bankruptcy case takes about four months from start to finish.

Ready to Start

If you're considering filing for Chapter 7 bankruptcy in Missouri, contact the team at Adams Law Group.

Contact Us Today


Contact Us Today

Adams Law Group is committed to answering your questions about legal issues in St. Peters, MO.

We'll gladly discuss your case with you at your convenience. Contact us today to schedule an appointment.