Have your attorney first make sure that your creditor has a right to the collateral. If so, arrange to pay for the right to keep it.
Two steps: 1) Hiring an attorney stops collection calls and some other creditor actions. 2) Filing bankruptcy stops everything else.
If you owe too much debt but still need the benefits of Chapter 13, consider “Chapter 20.”
As of April 1, you can owe more debt and still qualify for Chapter 13.
Chapter 7 gives you a fresh financial start by legally erasing your debts. That’s enough if your debts are simple ones.
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