Chapter 7 is what many people first think of when they hear the word bankruptcy. This is a powerful tool that will give you a full discharge of your debt. You can choose to keep your house or cars while eliminating the unsecured debt that you are unable to pay.
There are many reasons why you may need to manage your debt under a Chapter 13 Plan. A chapter 13 can force mortgage companies and car lender to accept a plan that will allow you to keep the collateral even if you are not current.
A bankruptcy is not always the best option for many of our clients. It may be possible to address your debt problem through negotiating a settlement that you can afford.
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