Chapter 7 or Chapter 13 are the two options for most consumers or non-business debtors. Both chapters usually allow you to discharge your unsecured debts, like credit cards and medical bills. A Chapter 7 bankruptcy is very quick, usually about 4 months, and is typically used by someone who does not have much property or possessions. However, the full attorney fee must be paid before you can file a Chapter 7 and not everyone qualifies under the law for this chapter. A Chapter 13 bankruptcy requires less cash upfront, usually as little as $400, and does not have as many requirements that prevent some from using this Chapter. It also allows you to protect a home and other property when you might be behind in payments. Call our offices to find out which chapter is right for you.