Considering filing bankruptcy
If you are even considering a chapter 13 bankruptcy, then you need to reconsider. There are plenty of ways to get yourself on a debt repayment plan that with does the same thing for you as a chapter 13 bankruptcy without killing your credit for many years. Plus the fee you will pay will be less than your lawyer fees and you will probably be able to get credit counseling to help you as well.
Do you understand what bankruptcy does to your credit? It will completely ruin you for at least 7 years. Not only that, but the loans and credit cards you will be able to get will have high interest rates and will cost you a fortune over the long run. Bankruptcy costs you your reputation, your lawyer fees, and all the interest you will pay over the following 10 years. Think about that before you choose any of the types of bankruptcy.
Are you considering filing bankruptcy? If so, then you know there is a Chapter 7, which is a fresh start type of bankruptcy, and a chapter 13, which is a debt repayment plan. There are many reasons why bankruptcy might be a good choice for you, but there are even more reasons why there is not a single type of bankruptcy that is good for you.