As a Huntsville bankruptcy lawyer, there are really only two chapters of bankruptcy I try to focus on for individuals and families facing debt. Those are Chapter 7 and Chapter 13 bankruptcy. Chapter 7 is often the ideal choice when you’re trying to eliminate unsecured debt.

The term “unsecured debt” refers to debts that aren’t tied to any property. For instance, credit cards and medical bills are examples of unsecured debt.

Chapter 7 bankruptcy gives you the chance to try to erase that debt. The courts call this “Discharge of the Debt,” but I like to think of it as debt forgiveness because you don’t have to pay any of that debt back once it’s erased.

If you have any questions about unsecured debt, Chapter 7 bankruptcy, or Chapter 13 bankruptcy — or if you’re generally feeling overwhelmed with debt and aren’t sure what to do next — I invite you to contact my law firm, Jeffrey B. Irby, P.C. My office is located in Huntsville, Alabama, but I’m happy to work with families and individuals in surrounding areas, as well.