Chapter 7 vs. Chapter 13



The first thing we need to do is discuss with you your particular goals. Next, we need to review your current financial situation to determine if bankruptcy makes sense for you, and if so, which type of bankruptcy case will best solve your problems. Finally, if your debts are primarily consumer debts, we need to review your income and the income from all household members (from all sources) over the previous 6 month period (this is called the “means test”) to determine which type of bankruptcy you will be permitted to file.

Which one is right for you?

Chapter 7
Chapter 13
Disclaimer: We are a debt relief agency. We help people file bankruptcy under the US Bankruptcy Code. This web site is designed for general information only. The information presented at this site is not legal advice, and no attorney-client relationship is formed by the use of this site. The law office of Kitaeff & Associates P.C. handles personal bankruptcy, consumer bankruptcy, small business bankruptcy, Chapter 7, Chapter 13 (reorganization), and Chapter 11 (reorganization) repayment plans and financial solutions for clients throughout Massachusetts.