Is Bankruptcy your best option?
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Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
In a Chapter 13 Bankruptcy, you keep your property, but pay back all or a portion of your debts over a three to five-year period. This is unlike Chapter 7 Bankruptcy, where most of your debts are cancelled. Because you end up paying most of your debts over time in Chapter 13 Bankruptcy, it is often called a wage earners plan or reorganization.