Chapter 7 Bankruptcy is often called a straight or a fresh start bankruptcy. It is intended to relieve you from the burden of most ordinary debts, such as credit cards, medical bills, judgments and garnishments. In general, a Chapter 7 Bankruptcy is the least expensive and quickest to file. It allows you to discharge your debts without doing a repayment plan for your debts.
Filing a Chapter 7 case can eliminate your debts, halt the phone calls from creditors, and allow you to start fresh. In many cases, it is the most effective way to get back to a solid financial footing. Filing Chapter 7 is about starting over.