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Chapter 7 and Post-Petition Debt

Are you considering filing for Chapter 7 bankruptcy but wondering what happens to any debts incurred after your filing? In general, your post-petition debts will not be covered by your Chapter 7 bankruptcy case, but there is good news. There are ways to take care of your post-petition debts should the need arise that will not prevent you from seeking the bankruptcy protection you need and want.

Since your bankruptcy petition includes all of your "pre-petition" debts, or those debts accrued before your bankruptcy petition is approved, any debts racked up after you have filed may not be protected. For example, if you have filed for Chapter 7 bankruptcy, and you suddenly find yourself dealing with a medical emergency and related expenses, you will have to speak with a Chicago bankruptcy lawyer about how that post-petition debt should be handled.

Generally, you will be advised to cancel your first bankruptcy petition and re-file, including your new debts in your petition. However, there may be other options to consider, which is why it is advised that you contact a Chicago Chapter 7 bankruptcy lawyer from our firm to schedule a case evaluation.
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The information on this website is for general information purposes only. Nothing on should be taken as legal advice for any individual case or situation.

Main Office: 123 W. Madison Street, Suite 205 Chicago, IL 60602
Phone Number: (312) 427-3100