Chapter 7 Bankruptcy 第7章破产

If filing for bankruptcy is a possibility for a debtor in order to get out of a financial crisis and start anew, then Chapter 7 of the Bankruptcy Code will be the way to do it a bit faster. 如果申请破产保护的可能性为债务人为了摆脱金融危机，并重新开始，然后第7章的破产法将如何这样做有点快。 Under Chapter 7 of the Bankruptcy Code all property which is considered to be non-exempt will be sold and the proceeds distributed to the creditors. 根据第7章破产法的所有财产被认为是非豁免将被出售，所得分配给债权人。 In most cases where Chapter 7 is brought into question there will be no assets to lose so it will be really faster. 在大多数情况下是第7章带进问题将不会有损失的资产，以便将真正得更快。

This method is also referred to as liquidation as you will turn your assets into money. 这种方法也被称为清算您将您的资产转变为金钱。 Chapter 7 Bankruptcy is the most well-liked form of bankruptcy filing and will makes up about 65% of all bankruptcy filings. 第7章破产是最喜欢形式的破产申请，将弥补约65 ％的所有申请破产。

As mentioned earlier, it is one of the faster ways; especially if you don’t have to get other asset owners involved. 如前所述，它是一个更快的途径，特别是如果你没有得到其他资产所有者参与。 Chapter 7 will let you get rid of your debts in months of the attorney filing a bankruptcy petition as opposed to years that go along with filing for Chapter 13. 第7章将让你摆脱你的债务个月的律师提交了破产申请，而不是来附和申请第13章。

This kind of bankruptcy functions through obtaining a trustee to collect all of your non-exempt property, sell the assets and distribute proceeds from this sale to appropriate creditors on your behalf and you won’t have to pay them in order to do it. 这种功能通过破产获得受托人收集您所有的非豁免财产，出售资产和收益分配从这个出售给适当的债权人代表您和您将无法向他们为了做到这一点。 Most of the time this implies that you will lose all your assets, so it will be better for you to think before you do it. 大多数时候，这意味着你将失去所有的资产，因此将能更好地为你想之前，先做到这一点。

Under Chapter 7 Bankruptcy, the debtor will receive a discharge on all dischargeable debts. 根据第7章破产，债务人将收到一份履行对所有dischargeable债务。 Some of these debts include: child support, taxes and student loans that are discharged under Chapter 7 Bankruptcy. 这些债务包括：子女抚养费，税收和助学贷款是根据出院第7章破产。

An further advantage with Chapter 7 bankruptcy is that through signing a reaffirmation agreement you will be able to continue to pay for a car loan or a mortgage. 一个进一步的优势，第7章破产，通过签署一项协议重申，你将能够继续支付汽车贷款或抵押。 This agreement will be put in place because as per the US Government Bankruptcy Code a debtor could be allowed to retain some or the entirety of his property. 这项协议将在的地方，因为按美国政府的破产法债务人可以允许保留的部分或全部的财产。

The best kind of people for this type of bankruptcy plan are those that don’t have a steady cash income. 最好的样的人对这类破产计划的是那些没有稳定的现金收入。 To file under this condition, you will have to get a lawyer to represent you in court and simply do as they advise. 要根据本文件的条件，您将获得律师代表你在法庭上和根本他们提供咨询。 Make sure the information you provide is always complete and accurate. 请确保您所提供的信息始终是完整和准确的。

Find out more on how to successfully recover from bankruptcy: Getting Yourself Out of Debt 了解更多关于如何成功追回破产：让自己摆脱债务