Differences
Chapter 7 or Chapter 13?

What Is the Difference Between Chapter 7 and 13?

What is the difference between filing for Chapter 7 & Chapter 13?


Chapter 7 uses your non-exempt assets to pay off bills. You can still keep your income and exempt property to start over. Chapter 13 works with all of your debts and makes a 3 to 5 year plan for you to pay off your bills, while keeping all of your assets.

Two ways for a fresh start.

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Chapter 7 Bankruptcy: Possible Liquidation of Assets Used to Cover as Much of Your Debt as Possible. Left with Enough Property to Start All Over Again Financially.

* Most of our clients have nothing to be liquidated; if we find you have too many assets we will discuss this issue with your prior to your case filing.

Chapter 13 Bankruptcy: Debts Reorganized & Debtor Allowed 3 to 5 Years to Pay Debts.

* Your payment plan will be based on your current income and current living expenses. It will be a payment you can afford!

Contact us because you want the creditors to stop calling NOW.