Bankruptcy vs. Debt Consolidation vs. Debt Settlement.
There are two types of bankruptcies that most consumers file. A chapter 7 or a chapter 13.
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What is Chapter 13 Bankruptcy?
The chapter of the Bankruptcy Code providing for adjustment of debts of an individual with regular income is known as Chapter 13 bankruptcy. Chapter 13 allows a debtor to keep property and pay debts over time, usually three to five years.