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Types of Bankruptcy
Chapter 13Achapter 13 is designed for working folks who need a payment plan to bring their debts current and pay them off over time.
It stops all creditor action and prevents foreclosures, garnishments, repossessions and phone calls.
Chapter 7Often called a “full bankruptcy” or “fresh start”, a chapter 7 erases the debt and allows you to start over.
You can keep your financed items like a home or car, so long as you are up to date on your payments, the creditors agree, and your equity in those items are not more than the state-allowed exemptions.