BEWARE of bankruptcy paralegals and document preparers who advertise as lawyers.

 Ch 7 is a procedure that is available only once every eight years. The effect of Ch 7 is to discharge or eliminate all of your dischargeable debt. Certain debts are not dischargeable. Certain taxes, guaranteed student loans, back child support and alimony, debts incurred by fraud, criminal fines, costs and restitutions, are all non-dischargeable. There are a few other narrow exceptions.