STOP CAR REPOSSESSION

Teacher Araceli lost her job and was unable to make her monthly car payments. She filed Chapter 7 bankruptcy, which immediately stopped the impending repossession of her car. She was able to reduce the balance on her car loan by $6,200 and lower her monthly payment by $270. Over $27,000 in credit card and medical bills were discharged.

ELIMINATE MEDICAL BILLS

After working at the same job for 26 years, child social worker Emily had a stroke which kept her out of work for 9 months. Meanwhile, her out-of-pocket medical bills skyrocketed to over $90,000. She filed Chapter 7 bankruptcy and eliminated all of her medical bills. She eventually returned to work debt-free.

STOP WAGE GARNISHMENT

After his car was repossessed and sold at an auction, property manager Jim was sued by his former auto lender for the $9,600 balance still owed on his loan. After a court judgment was entered against him, a wage garnishment was served on Jim's employer requiring the withholding of 25 percent of his net pay from every pay check. He filed Chapter 7 bankruptcy and immediately stopped the garnishment. The court judgment became null and void and the debt was discharged.