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There are several choices of bankruptcy available to debtors but the most common are the Chapter 7 bankruptcy and the Chapter 13 bankruptcy.

Chapter 13

Chapter 7

This is also known as the "reorganization" bankruptcy. The debtor is able to repay some, or all, creditors over several years in a monthly amount that is manageable. Depending on income, a debtor may be able to make up missed house payments and car payments, back taxes, child support or even get their driver's license back while in a Ch. 13 bankruptcy.

This is also known as the "fresh start" bankruptcy.  The debtor is usually able to eliminate credit card debt, medical bills and other unsecured debt, while keeping their assets, such as their house, vehicle and retirement accounts.

Schedule a free consultation with an experienced bankruptcy attorney for professional advice about your options.

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