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,

Fortunately, bankruptcy provides a means for protecting yourself and giving you a fresh new start

Chapter 13:
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.

Chapter 7:
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 several months.