If you qualify for both Chapter 7 and 13, look closely at how much you’d be helped by Chapter 13 before choosing Chapter 7 merely because it’s simpler.
The Most Important Choice in Bankruptcy
Chapter 13 costs much more than Chapter 7, takes about 10 times as long, so you do a Chapter 7 if possible, right?
The Purpose of Bankruptcy in the U.S. Constitution
The most respected early commentator on the Constitution fills in some historical gaps about bankruptcy and leads it in a better direction.
The Chapter 13 Debt Limits
Too much debt can disqualify you from filing under Chapter 13.
How to File a Chapter 7 “Straight Bankruptcy” Even If You Make More than the “Median Family Income”
The amount of your income may not disqualify you from Chapter 7.
I Make Too Much for Chapter 7, Owe Too Much for Chapter 13, So Now What Do I Do?
If you don’t qualify for either Chapter 7 or 13, do you have to do a very expensive Chapter 11 reorganization? Or could you still qualify after all?
Help! I Just Filed My Taxes on October 15, Owe a Lot, and Hear that Chapter 13 Can Help a Lot
“Straight” Chapter 7 bankruptcy can give some relief for dealing with your back and current income taxes, but Chapter 13 can help so much more.
Help! After Getting an Extension to October 15, I Just Filed My Taxes and Owe Tons!
If you were already on the financial edge and just found out you owe a bunch of income taxes, here is how bankruptcy can help.
Help! I Need to File Bankruptcy But Already Did One a Few Years Ago
If you need bankruptcy protection but already filed a bankruptcy case within the last few years, you may still be able to file a new one now.
Help! My Co-Signer and I Just Got Sued!
If you and someone else jointly owe a debt, bankruptcy can protect you against the debt and against your co-signer. Or if you want, bankruptcy can protect your co-signer.
Help! I Just Got a “Final Notice of Intent to Levy” from the IRS!
If you owe income taxes, and are at the point that the IRS is about to seize your assets, you need to consider bankruptcy. It can help in surprising ways.
Help! They Just Garnished My Paycheck and Threaten to Do Worse
If you’re behind on child or spousal support, the support enforcement agency can be extremely aggressive. Chapter 7 doesn’t help much. Chapter 13 CAN.
Advantages of Chapter 13 After Stopping Repossession of Your Car or Truck
Straight Chapter 7 bankruptcy gives very limited help if you’re behind on your vehicle and need to keep it. And Chapter 13? Provides much more help.
Worried about Getting Your Car or Truck Repo’d? How Bankruptcy Could Help
Bankruptcy stops a vehicle repo from happening. But what then?