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Atricle Dump - Bankruptcy: Which Chapter Do I File?
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Chapter 7 bankruptcy can be described as a liquidation proceeding. There is a certain amount of property that is exempt, but the rest of your property would be turned over to the bankruptcy trustee to be sold and divided amongst your creditors. There are some debts that can not be discharged but you will be free of all dischargeable debts within a few months after filing for bankruptcy. This provides for a fresh start and can be a great relief for those heavily burdened with debt that they just can’t manage any longer.
Chapter 13 Bankruptcy is more for people who want to reorganize their debt, but still pay it over a longer period of time. Generally you are going to be able to keep your non-exempt property when you file for chapter 13 bankruptcy instead of chapter 7 bankruptcy. You only want to file for chapter 13 bankruptcy if your income is such that you can afford your expenses as well as devote a portion of it to paying off the debt covered by your chapter 13 bankruptcy.
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Chapter 7 bankruptcy can be described as a liquidation proceeding. There is a certain amount of property that is exempt, but the rest of your property would be turned over to the bankruptcy trustee to be sold and divided amongst your creditors. There are some debts that can not be discharged but you will be free of all dischargeable debts within a few months after filing for bankruptcy. This provides for a fresh start and can be a great relief for those heavily burdened with debt that they just can’t manage any longer.
Chapter 13 Bankruptcy is more for people who want to reorganize their debt, but still pay it over a longer period of time. Generally you are going to be able to keep your non-exempt property when you file for chapter 13 bankruptcy instead of chapter 7 bankruptcy. You only want to file for chapter 13 bankruptcy if your income is such that you can afford your expenses as well as devote a portion of it to paying off the debt covered by your chapter 13 bankruptcy.
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Chapter 13 Bankruptcy is more for people who want to reorganize their debt, but still pay it over a longer period of time. Generally you are going to be able to keep your non-exempt property when you file for chapter 13 bankruptcy instead of chapter 7 bankruptcy. You only want to file for chapter 13 bankruptcy if your income is such that you can afford your expenses as well as devote a portion of it to paying off the debt covered by your chapter 13 bankruptcy.
Make an informed decision about bank
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Chapter 13 Bankruptcy is more for people who want to reorganize their debt, but still pay it over a longer period of time. Generally you are going to be able to keep your non-exempt property when you file for chapter 13 bankruptcy instead of chapter 7 bankruptcy. You only want to file for chapter 13 bankruptcy if your income is such that you can afford your expenses as well as devote a portion of it to paying off the debt covered by your chapter 13 bankruptcy.
Make an informed decision about bank
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Make an informed decision about bankruptcy before you start talking with an attorney. There is plenty of information readily available about bankruptcy and by exploring all avenues you may come across information that causes you to reconsider exactly what you are doing with your bankruptcy. The information can be overwhelming and you should definitely consult an attorney about bankruptcy before making a final decision.
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