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ca65 friends excitement and maybe moreChapter 13 is a re-organization, takes 3 5 years normally and you wind up working out a plan to pay back your creditors. Normally used if you are getting behind in payments on secured debt. Chapter 7 is used to discharge unsecured debt and or not allow you to keep certain assets (house, car, etc.) There's a lot more involved than just filing and telling the creditors to kiss off. Get a real bankruptcy attorney, one in you area with good recommendations, for answers and to make sure it's done right. It worked for me but every situation is different; wrecked my credit score but that was going that way anyway and it got me back on my feet. dating divorced women
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