Frequently Asked Questions
What’s the difference between Chapter 7 and Chapter 13?
Chapter 7 discharges many unsecured debts after liquidation; Chapter 13 organizes a repayment plan over 3–5 years.
Will filing stop collection calls?
The automatic stay generally halts collections, lawsuits, garnishments, and foreclosures once filed.
How much do bankruptcy lawyers cost?
Many firms offer a flat fee and free consultation. Fees vary by location and complexity.
Can I keep my home or car?
Exemptions and Chapter choice matter. Chapter 13 can help you keep secured assets by catching up on arrears.