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How Are Chapter 7 And Chapter 13 Bankruptcy Different?

Benefits Of Both Chapter 7 & Chapter 13 Bankruptcy

  • Stop harassment from creditors
  • Stop wage garnishment
  • Permanently discharge eligible debts

What Is Chapter 7 Bankruptcy?

  • How does it work? Non-exempt assets are liquidated to repay creditors
  • Who is eligible? Means-tested based on household size and monthly/annual income
  • How long does it take? 3-6 months
  • How long will it stay on my credit report? 10 years
  • Who is it best for? People who do not own much property, have lower income, and primarily have credit card, medical and personal debt

What Is Chapter 13 Bankruptcy?

  • How does it work? A repayment plan is established to pay back debts; debts may not be discharged, although the total debt may be reduced
  • Who is eligible? Any individual with less than $394,725 in unsecured debts and less than $1,184,200 in secured debts
  • How long does it take? 3-5 years
  • How long will it stay on my credit report? Seven years
  • Who is it best for? People with regular income or those who want to keep their home, car or other property
Difference Between Chapter 7 And Chapter 13 Bankruptcy

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

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