Chapter 7 vs. Chapter 13 Bankruptcy — Which Fits?
Chapter 7 wipes most debts in 3–4 months. Chapter 13 sets up a 3–5 year repayment plan and saves your house.
The two consumer bankruptcy chapters serve different goals. Chapter 7 discharges unsecured debt quickly but only if you pass the means test. Chapter 13 lets you keep non-exempt assets and catch up on a mortgage through a court-supervised payment plan.
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