Many have suffered from the unanticipated side effects of the COVID-19 virus. Layoffs and reduced hours at work have overwhelmed many individuals with medical bills, credit card debt, and other unsecured debt. A chapter 7 bankruptcy places an automatic stay which will protect you from repossession, wage garnishment, foreclosure and more. Your ability to file chapter 7 is dependent on a means test. Those with higher incomes may not qualify.