Many people find themselves overwhelmed by creditors and bills. There are a number
of reasons people find themselves in this situation - whether its because of a
lawsuit, hospital bills, or credit cards,
bankruptcy provides a means for protecting yourself and giving you a fresh new
A debtor can work out a payment plan with their creditors. For the
next three to five years, the debtor will pay specific amounts to their creditors.
The debtor will discharge most types of debts in a much shorter time
frame than with Chapter 13. Most debtors will be able to get a fresh start within