Answer 8 quick questions to find out if Chapter 7 bankruptcy could eliminate your credit card debt, medical bills, and personal loans and stop garnishments and collection calls.
Confidential • No credit check • Takes about a minute
Household size matters. Chapter 7 income limits are higher for larger families.
A rough estimate is fine. Many people qualify even above these ranges.
Filing Chapter 7 can trigger an automatic stay that may stop these immediately.
🔒 Your information is confidential and will only be used by Fresh Start Bankruptcy NM to discuss your options. Submitting this form does not create an attorney-client relationship.
Chapter 7 is designed to discharge most unsecured debt, often in a matter of months, so hardworking New Mexicans can rebuild.
High-interest balances that never seem to shrink can often be fully discharged.
One of the most common causes of bankruptcy, and typically dischargeable.
Unsecured loans and predatory payday cycles may be wiped out.
The automatic stay can require collectors to stop contacting you.
Many collection lawsuits stop when your case is filed.
Filing may stop garnishments so you keep your full paycheck.
We take time to understand your financial situation, answer your questions, and explain your legal options in plain English.
Our team helps gather the necessary information and carefully prepares your Chapter 7 bankruptcy filing.
Once your case is filed, bankruptcy protections may help stop collection activity while you work toward relief and stability.
Financial hardship can happen to hardworking people from all walks of life. Bankruptcy is not about failure. It's about creating an opportunity to rebuild and move forward with confidence.
Medical expenses, job loss, divorce, rising costs. We understand how debt happens, and we treat every client with honesty, dignity, and respect.
Offices in Las Cruces, Albuquerque, and Truth or Consequences, plus convenient virtual consultations anywhere in New Mexico.
No confusing legal jargon. We explain exactly what Chapter 7 can and can't do for your situation, so you can make an informed decision.
Debt problems rarely improve on their own. We make the process clear and efficient so you can focus on rebuilding your future.
Find out where you stand in about 60 seconds. It's free, confidential, and there's no obligation.
Take the Free Quiz Call (575) 339-0508No. This is one of the biggest myths. New Mexico law provides exemptions that protect many essentials. Many Chapter 7 filers keep their household goods, retirement accounts, and more. A consultation will clarify what applies to your situation.
Absolutely not. Most bankruptcies are caused by medical bills, job loss, divorce, or rising living costs. These are things that happen to hardworking people. Bankruptcy laws exist to give honest people a genuine second chance.
In most cases, filing triggers an "automatic stay," a court order that generally requires creditors to stop garnishments, collection calls, and lawsuits while your case is pending.
Most Chapter 7 cases move from filing to discharge in roughly a few months, far faster than years of minimum payments or debt settlement plans.
Chapter 7 uses a "means test" based on your household size and income, with deductions that many people don't realize apply to them. Even if you're over the limit, other relief options may be available. Take the quiz and we'll help you find out.
Yes. Your initial case evaluation is free, confidential, and carries no obligation. We'll review your situation and give you straight answers about your options.