Chapter 7 Bankruptcy

Fort Myers Chapter 7 Bankruptcy Lawyers

Will Chapter 7 Bankruptcy Work for Me?

Are creditors hounding you with constant calls and letters to try to collect debts you can’t pay? Chapter 7 bankruptcy comes with incredible relief – all contact from creditors by phone, letter, text or other method is brought to a complete stop – and that is just the beginning of the benefits you could enjoy.

What is Chapter 7 Bankruptcy in Fort Myers?

Chapter 7 is a federal program that was created to provide a fresh start for people who face overwhelming debt. The process is fast, requiring only about four to five months to complete. This is the most common form of bankruptcy filed in the USA, allowing many debts, if not all debts, to be discharged -- gone forever.

Eligibility for Chapter 7 Bankruptcy

This form of bankruptcy is often ideal for people who are struggling to make the monthly bills and need to get back in control of their finances. To determine if you are eligible, you are required to take a test, called the “means test.” This test involves revealing every form of income for the past six (6) months. If, after completing the means test, your income is less than Florida’s median income, you will qualify for Chapter 7. It is wise to have assistance from an expert Fort Myers Chapter 7 bankruptcy attorney before taking the test, to ensure you properly calculate your income and debts. Many so-called bankruptcy attorneys do not know how to properly calculate the means test.

What are the Benefits of Filing Chapter 7 Bankruptcy?

Chapter 7 bankruptcy offers an incredible level of relief for people who are facing a crushing debt load. The benefits include:

  • An “automatic stay” order that prohibits creditors from contacting you.
  • Wage garnishment is halted.
  • Your home, vehicle, or other property cannot be repossessed during the process.
  • Most lawsuits will be halted.
  • Your utilities cannot be cut off after filing.
  • Most unsecured debt is discharged, gone forever.

Some debts can’t be discharged, including spousal support, child support, some tax debts, some student loans, personal loans, personal injury judgment payments, or payments ordered for criminal restitution.

What is the Chapter 7 Process?

Filing Chapter 7 involves the following steps:

  • A credit counseling course is required to be completed before filing.
  • The bankruptcy petition is prepared and filed. This is best achieved with the assistance of an expert attorney. The petition and schedules list all income, expenses, assets and debts.
  • An automatic stay is issued that halts all collection actions.
  • The case is assigned to a Chapter 7 bankruptcy trustee.
  • The Trustee holds a meeting of creditors (very rarely do creditors attend) and will review the your paperwork to make sure that you have crossed your T’s and dotted your Is.
  • Most, if not all, of your unsecured debt may be discharged, such as credit card debt and medical bills.

Can you Keep your Home and Car with Chapter 7?

Chapter 7 provides the opportunity for a fresh start by removing the crushing burden of bills you cannot pay. Your home and car will be protected as long as you pay all payments on time going forward, and we can exempt the equity. When the majority of your debts have been discharged, it makes it much more easier to stay current with mortgage and car payments. Most people lose nothing in Chapter 7 – except debt!

Rebuild your Financial Health with Chapter 7 Bankruptcy.

Life can throw you a curveball, such as losing a job, a divorce, or a health condition that requires expensive medical treatments. If your debt load is out of control and impossible to manage, Chapter 7 may be the ideal way to start over and rebuild your finances.

Why Choose The Dellutri Law Group, PA in Fort Myers?

At The Dellutri Law Group, PA, you can expect expert bankruptcy attorneys, personalized service and a support of a team that works hard to make filing Chapter 7 as easy on you as possible. Our goal is to help you receive the fresh financial start you deserve. We offer a complimentary strategy session for Estate Planning, Bankruptcy and Personal Injury where we listen, ask questions, ask more questions, and offer advice based upon the answers to those questions.

Contact The Dellutri Law Group, PA at (800) 391-4337 for information about filing Chapter 7 in Fort Myers.

The Dellutri Difference

  • Experience & Passion on Your Side

    Our dedicated team of lawyers, paralegals, assistants, & staff have been fighting on behalf of our clients since 1998.

  • A Culture of Philanthropy

    In order to give back to our community, each employee at our firm is granted the opportunity to sponsor a charitable cause of their choosing.

  • Communication You Can Count On

    We believe that our clients deserve clear and consistent communication every step of the way, without any unnecessary "legalese."

  • Service Tailored to Your Needs

    We sincerely care about each and every one of our clients and refuse to treat them like a case file to be passed from person to person.

  • A Healthy Firm Culture

    When our employees are happy to come to work, we know that they are capable of overcoming any challenge on behalf of our clients.

  • Free Consultations for Personal Injury, Bankruptcy, and Estate Planning

    ​Explore your legal options with confidence at Dellutri Law Group, where we offer free consultations for Personal Injury, Bankruptcy, and Estate Planning matters.

Get a Complimentary Strategy Session

Our firm is singularly focused on our clients and will stop at nothing to fight for the future that they deserve. Let our attorneys fight for your future next.

Meet Your Attorneys

Committed to Making Our Community a Better Place
  • Carmen  Dellutri Photo
    Carmen Dellutri


    If you know Carmen Dellutri, you know he is passionate about a lot of things. He gives back often- to his community, his employees, and his loved ones. Carmen has mentioned time and time again that the reason he became an Attorney, and specifically a Personal Injury and Bankruptcy Attorney, is because he loves to help others.
  • Amanda  Downing Photo
    Amanda Downing


    Amanda Downing doesn’t mince words and says what she means when it comes to the opposing side. She has the biggest heart and will fight tooth and nail to bring justice for her clients. “I hate having to go to bat for those victims, because they never should have been put in that situation to begin with. It’s just completely unfair.”
  • Monica M. Cabrera Photo
    Monica M. Cabrera

    Attorney, Se Habla Español

    Monica M. Cabrera has been practicing law since 2006. Prior to attending law school, she worked as a legal assistant for just under 10 years. In order to provide personal service to her clients, Monica has represented clients from all walks of life and handles all types of cases including Residential & Commerical Real Estate Sales and Purchases, 1031 Exchanges, Refinances, Probate, Wills & Trusts.
  • David  Arens Photo
    David Arens


    Bio coming soon!