Generally speaking, there are restrictions on who can file a Chapter 7 bankruptcy, while most people are eligible to file a Chapter 13 bankruptcy. If you have a home or a car, and are behind on your payments, or if you owe taxes or child support, a Chapter 13 bankruptcy will allow you to catch up on those payments during the term of the bankruptcy and allow some other benefits not available under Chapter 7. However, if your debt is all unsecured debt (credit cards and medical bills, for example), if your income and living expenses each month leave you with less than $100, if your income is below the median income for Arkansas, and if you can pay all of the fees up front, a Chapter 7 bankruptcy may work for you. Call our office for a free first visit to determine which Chapter is best for you. We will also evaluate your case and recommend whether you need to file bankruptcy at all, or whether there are other options to help you.