Help determine which chapter is best for you

Chapter 7 - Bankruptcy

• Are you spending almost all of your income just to pay normal living expenses (housing, food, clothing, transportation, child care, etc.)?
• Are creditors calling and demanding money that you need to feed yourself or your family?
• Is there no money left to pay credit card debt, medical bills or judgements?
• Are wages needed for living expenses being garnished by a creditor?

If you answered yes to one or more of these questions then most likely a Chapter 7 - Bankruptcy can help your financial situation.

Chapter 13 - Bankruptcy

• Are you behind on your home loan, need to stop foreclosure and save your home?
• Do you owe taxes or student loans that do not meet the requirements for discharge?
• Do you want to protect a friend or relative who co-signed for you?
• Do you need to bring current child or spousal support payments?
• Do you have judgments that were incurred by reason of drunk driving or fraud?
• Do you need to protect non-exempt assets?
• Have you filed a Chapter 7 within the past 8 years?

If you answered yes to one or more of these questions then it's quite possible that a Chapter 13 - Bankruptcy is the correct solution in your case.