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Chapter 7 Bankruptcy

Posted by John T. Sheehan | Apr 13, 2023 | 0 Comments

Chapter 7 Bankruptcy

Many unsecured obligations can be discharged through Chapter 7 bankruptcy, sometimes referred to as liquidation bankruptcy. Chapter 7 bankruptcy may be your last alternative if you're severely behind on your payments and can't find the money to cover your living necessities and regular payments. You may have to part with some of your goods, which would negatively affect your creditworthiness in the long run.

When you work with the Law Offices of Senerchia & Sheehan to file for Chapter 7 bankruptcy, a temporary injunction will be put in place automatically to stop collection efforts. As a result, your creditors can no longer collect debts from you, garnish your earnings, foreclose on your house, seize your property, evict you, or cut off your utilities.Your property will be legally taken by the court.

It is our responsibility to examine your assets and money and to manage your Chapter 7 bankruptcy. The nonexempt property will be sold, and the earnings will be used to pay off your creditors. A creditors meeting will be held.  A "creditor meeting" is when you appear in court and respond to inquiries concerning your file, this will be organized by the Law Offices of Senerchia & Sheehan.

The court will dismiss your remaining debts at the conclusion of the procedure, which typically takes four to six months from the time of your original filing (you are no longer responsible for paying them). Child support, alimony, court costs, some tax debts, and the majority of student loans are among the debts that are typically not dischargeable through bankruptcy.

If you are interested in learning more about working with the Law Offices of Senerchia & Sheehan on your Chapter 7 Bankruptcy, reach our offices today! 

Schedule a call with one of our attorneys today: 401-615-3880

Email: [email protected] 

The Law Offices of Senerchia & Sheehan and a family-owned company with a mission of putting families first. We take great pride in being able to assist members of our community get back to a stress-free life. 

Disclaimers: This article is used for reference only and not intended to be legal advice. If you are looking for Legal counsel, please call our firm today!

About the Author

John T. Sheehan

Bar Admissions Massachusetts, 2003 Rhode Island, 2018 US District Court of Rhode Island US District Court  of Massachusetts Education XXXX  Juris Doctor,  XXXX Bachelor of  Professional Associations and Memberships Rhode Island Bar Association, Member, 2018 - Present Massachusetts Bar...


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At Senerchia & Senerchia P.C., located in Cranston, Rhode Island, we stand with individuals and families in our community who have endured hardship or life challenges. At our firm, we focus on Short Sales, Bankruptcy, Family Law, Estate Planning, Worker’s Comp, Probate, Personal Injury, and Criminal Law. We have dedicated our careers to fighting for the rights of people in Rhode Island, Massachusetts, Connecticut, and New Hampshire.

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