In Chapter 7 bankruptcy, the debtor requests the bankruptcy court to discharge most of the debts owed. In exchange for this discharge, the bankruptcy trustee may take any property the debtor owns except those which are exempt from collection and proceed to sell the seized assets and distribute the proceeds to the debtors creditors. A debtor will not be able to use a Chapter 7 filing if he or she has received a bankruptcy discharge in the last six to eight years (depending which type of bankruptcy you filed) or if, based on the debtors income, expenses, and debt burden, the debtor could feasibly complete a Chapter 13 repayment plan.
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