Is Chapter 7 Bankruptcy Right for You? A Pittsburgh Attorney Explains
If you’re overwhelmed by debt and living paycheck to paycheck, you’re not alone — and you have options. For many individuals and families in Pittsburgh and across Western Pennsylvania, Chapter 7 bankruptcy can offer fast, legal relief from crushing financial burdens.
💡 What Is Chapter 7 Bankruptcy?
Chapter 7 bankruptcy, often referred to as “liquidation bankruptcy,” is designed to eliminate most unsecured debts, such as:
Credit card bills
Medical expenses
Personal loans
Utility bills
Some judgments
In most cases, you can keep your home, car, and essential belongings. The goal is to give you a fresh financial start.
✅ Who Qualifies for Chapter 7?
To file Chapter 7, you must pass the means test, which compares your income to the median in Pennsylvania. If your income is below the state median or your disposable income is very limited, you likely qualify.
Our office will analyze your eligibility in a free consultation, ensuring you make the best decision for your situation.
⚖️ Benefits of Filing Chapter 7
Stops creditor harassment and lawsuits
Eliminates most debts in just 90–120 days
Wipes out wage garnishment
No repayment plan required
Lets you start rebuilding your credit quickly
🤔 Is It the Right Move for You?
Chapter 7 is ideal if:
You have mostly unsecured debt
You’re struggling to make minimum payments
You want fast, permanent debt relief
It may not be right if you’
