Chapter 13

Chapter 13 is a way to repay a portion of your debt over a 3 to 5 year period and, at the end of the period, discharge the then remaining sums due. Also, you can often modify the amounts due and the interest rates due on secured debts for vehicles and real property. In some circumstances second mortgages can be "stripped off" and turned from a secured debt into an unsecured debt which is discharged at the end of the case.

Whether or not you can or should file under Chapter 13 depends on the facts of your case.

If you would like a free case evaluation call 808-585-1000 or Contact Us to schedule a free consultation with a bankruptcy attorney where your questions will be answered in a professional and courteous manner.

Chapter 7

Chapter 7 is a way to legally *discharge* or eliminate all of your debts.