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Chapter 7 Bankruptcy Filings:
Chapter 7 is generally the most popular choice among individual filers. Under this arrangement a court appointed trustee will collect your assets, turn them to cash, and repay your creditors with available funds. You can retain exempt assets, under both Federal and State Law.

Chapter 13 Bankruptcy Filings:
Chapter 13 is typically designed for the individual debtor that has a stable job and stable income. Under this filing type you pay off your debts over a time period of years and keep your property.