Chapter 7 provides for the discharge of unsecured debts. Unsecured debts are debts like credit card debt, personal loans, and medical bills. Secured debts are generally not changed throughout the bankruptcy process. This means that the collateral remains in the debtor's possession granted the debtor makes timely payments of the debts. Chapter 7 is always accessible to companies and individuals whose primary debt is business debt. If Chapter 7 is sought for someone whose debt is primarily consumer debt then the individual filing will have to meet certain income requirements to file a Chapter 7 petition.