If you expect it will take you longer than a year to repay your unsecured debts such as credit cards, personal loans, medical bills, etc. chapter 7 may be a good option to discharge (eliminate) them. Are you tired of creditors harassing you? From the moment you file your case, creditors are not allowed to communicate with you in any way (by phone, email, text, mail, etc.), and with most creditors, this restriction continues forever after you complete your case and receive a discharge. Additional benefits of filing chapter 7 are stopping repossessions and garnishments and in certain circumstances, the ability to discharge taxes and reduce car loan balances and interest rates. Call our office now to schedule a free attorney consultation, and we will help you figure out whether filing bankruptcy is a good option for you.