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When you talk to a bankruptcy attorney in NJ he will explain how filing a Chapter 7 bankruptcy is a process of federal law that allows for individuals or businesses to make a fresh start. Chapter 7 will eliminate most of an individual’s unsecured debt and is usually the suggested type of bankruptcy for a person who has no assets, or at least very few of them. In most cases the unsecured debts that are released through a Chapter 7 bankruptcy include things like personal loans, credit cards, deficiencies on repossessed vehicles, medical bills or judgments that are the result of a car accident. Since the Chapter 7 filing procedure is complicated it will require the help of a bankruptcy attorney in NJ to help guide you through the process.