are two types of Personal Bankruptcy:
7 Bankruptcy is when you are asking the courts to discharge all
your debts. In exchange “YOU GIVE UP YOUR PERSONAL PROPERTY”.
Including items that are already paid off. There are some debts
that CANNOT be discharged. (This varies from state to state)
13 Bankruptcy allows you to set up a court approved plan to repay
your debt, usually over a 3-5 year period. Under this type of bankruptcy
you keep your property and your creditor “TYPICALLY”
accepts less than the full amount.
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