What are common reasons for filing Chapter 7 bankruptcy?

Full question:

What are the most common reasons for filing chapter 7?

Answer:

The most common reasons for filing a Chapter 7 bankruptcy include:

  • Extended periods of unemployment, making it difficult to pay debts.
  • Large and often unexpected medical expenses.
  • Overextended credit that exceeds the debtor's ability to repay, often due to high interest rates.
  • Marital problems leading to financial hardship.
  • Other significant unexpected expenses.

This content is for informational purposes only and is not legal advice. Legal statutes mentioned reflect the law at the time the content was written and may no longer be current. Always verify the latest version of the law before relying on it.

FAQs

Someone may file for Chapter 7 bankruptcy to eliminate overwhelming debts when they cannot pay them. Common reasons include job loss, high medical bills, excessive credit card debt, or unexpected expenses. This type of bankruptcy allows individuals to discharge most unsecured debts, providing a fresh financial start.