Chapter 7 Bankruptcy Lawyers

Serving Huntsville, Decatur & the Birmingham Metroplex
Chapter 7 bankruptcy is a legal process that allows eligible individuals to eliminate certain unsecured debts and gain a financial reset. At Mitchell & Larsen, we guide clients through each step—making the process clear, compliant, and as stress-free as possible.

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What Is Chapter 7 Bankruptcy?

Chapter 7 is sometimes referred to as “straight” or “liquidation” bankruptcy. It is designed to help individuals and families who are unable to repay unsecured debts. Once filed, the court may discharge qualifying debts entirely—without requiring repayment.

Common debts discharged in Chapter 7 include:


  • Credit card debt
  • Medical bills
  • Personal loans
  • Collection accounts
  • Utility bills

Secured debts (like mortgages or car loans) and priority debts (like certain taxes, child support, or student loans) may not be dischargeable. We will review your specific situation to clarify what applies.

How the Chapter 7 Process Works

The Chapter 7 process typically takes about 3 to 6 months from the filing date to discharge. Here's a simplified overview:

  • Initial Consultation

    We evaluate your eligibility and discuss your financial situation.

  • Filing the Petition

    We prepare and file your Chapter 7 bankruptcy petition with the court.

  • Automatic Stay Begins

    Creditors must stop collection actions, including lawsuits and wage garnishments.

  • 341 Meeting of Creditors

    You attend a short meeting with the bankruptcy trustee (not a judge).

  • Discharge Granted

    If approved, your qualifying debts are discharged by court order.

You may be able to retain exempt assets, such as your home, vehicle, and personal belongings, under Alabama’s exemption laws. We’ll walk you through what you can keep.

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Do You Qualify for Chapter 7?

Eligibility for Chapter 7 is determined through the Means Test, which compares your income to Alabama’s median income for your household size. You may qualify if:

  • Your income is below the state median, or
  • You pass the means test by calculating allowable expenses and income

Even if you don’t qualify, you may have other legal options—such as filing under Chapter 13.

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Why Choose Mitchell & Larsen

  • Focused Experience

    We concentrate on bankruptcy law and stay current with Alabama and federal updates.

  • Personal Attention

    You work directly with an attorney, not just a paralegal or processor.

  • Full Transparency

    We explain your options clearly and offer realistic timelines.

  • Confidential, Judgment-Free Support

    We understand that bankruptcy is a difficult decision, and we’re here to support—not shame.

Schedule a Bankruptcy Consultation

Chapter 7 bankruptcy may be the right solution if you’re struggling with unmanageable debt and seeking a legal way to reset. We’re here to help you understand your rights and decide what’s best for your future.

Request a Legal Consultation

Frequently Asked Questions

What can bankruptcy do for me?

-Eliminate Debt
-Stop Garnishment of your Bank Account or Job
-Stop Foreclosure on your Home or Other Property
-Stop Lawsuits
-Halt Repossession of your Car
-Stop Harassing creditor Calls

Why should I file bankruptcy?
Why should I see an attorney sooner rather than later?
What if someone already has a judgment against you?
What if I'm behind on my house?
What if i'm behind on my car?
What if I owe unpaid child support?
I am working with a debt consolidation company. Why would I file for bankruptcy?
Why should you choose our law firm?