Question 1

What is Chapter 7 bankruptcy?

Accepted Answer

Chapter 7 is a federal bankruptcy process that discharges qualifying unsecured debts — such as credit card balances, medical bills, and personal loans. It is the most common form of personal bankruptcy filed in the United States. Most cases conclude within 4 to 6 months, providing a genuine fresh start for eligible individuals.

Question 2

Will bankruptcy eliminate all of my debts?

Accepted Answer

Not all debts can be discharged through bankruptcy. Student loans (in most cases), child support, alimony, most tax debts, and debts resulting from fraud generally survive a Chapter 7 filing. However, most credit card debt, medical bills, and personal loan balances can be eliminated. We help you understand exactly which of your debts qualify.

Question 3

What happens to my credit score?

Accepted Answer

A Chapter 7 filing stays on your credit report for up to 10 years. However, most people see meaningful improvement within 12 to 18 months as the eliminated debt load reduces their debt-to-income ratio. Apello provides credit-rebuilding support and practical strategies to help you recover as quickly as possible.

Question 4

Do I have to go to court?

Accepted Answer

You will attend a 341 Meeting of Creditors, which is a brief administrative hearing — not a courtroom trial. It is typically held at a federal building or conducted remotely. Most 341 meetings last only 10 to 15 minutes and involve straightforward questions about your finances and paperwork.

Question 5

Is Apello a law firm?

Accepted Answer

No. Apello Consulting is a non-attorney consulting firm. We provide information, guidance, and document preparation support to help you understand your debt relief options. When legal representation is needed — such as filing court documents — we connect clients with licensed attorneys who specialize in the relevant area.

Question 6

How much does a consultation cost?

Accepted Answer

Initial consultations are completely free. We believe you should understand all of your options before making any financial commitment. During the consultation, we review your situation, explain your options in plain language, and recommend a path forward — with zero obligation.

Question 7

What states do you serve?

Accepted Answer

Apello Consulting is based in Grandville, Michigan and primarily serves clients throughout the state of Michigan. Contact us to discuss your specific situation — we may be able to help or refer you to a trusted resource in your area.

Question 8

How long does the process take?

Accepted Answer

Timelines vary by path. Chapter 7 bankruptcy typically takes 4 to 6 months from filing to discharge. Debt negotiation and settlement timelines depend on the creditor and can range from 3 to 24 months. During your free consultation, we provide a realistic timeline based on your specific situation.

Question 9

What documents do I need?

Accepted Answer

Generally, you will need recent tax returns (last 2 years), recent pay stubs, bank statements (last 3-6 months), a list of all debts and creditors with account numbers, and a list of your assets. Don’t worry about getting everything organized upfront — we walk you through exactly what’s needed step by step.

Your Questions About Debt Relief, Answered Honestly

About Bankruptcy

About Apello Consulting

About the Process

Still have questions? Talk to an advisor — free.