If overwhelming debt has you choosing between paying bills and buying groceries, you deserve to understand every legal option available to protect yourself and your family. Bankruptcy is not a failure — it is a federal legal tool designed to help people reset financially.

Understanding the difference between Chapter 7 and Chapter 13 bankruptcy can help you make an informed decision about protecting your income, home, and future.

Types of Consumer Bankruptcy

Chapter 7 bankruptcy is known as liquidation. A trustee reviews your assets to determine whether any non-exempt property can be sold to pay creditors. Many unsecured debts may be discharged.

Chapter 13 bankruptcy is a reorganization plan. You propose a repayment plan lasting three to five years to catch up on secured debts like mortgages or car loans.

Quick Takeaways

• Chapter 7 can eliminate many unsecured debts
• Chapter 13 allows repayment over time
• Both trigger an automatic stay that stops collections
• Credit counseling is required before filing

Starting the Pro Se Bankruptcy Process

To file on your own, you must submit a Petition, Schedules, Statement of Financial Affairs, and a Certificate of Credit Counseling to the U.S. Bankruptcy Court. Forms are available on the federal court website.

You must also attend a Meeting of Creditors (341 meeting). Accuracy and complete disclosure are critical.

About FRLS

FRLS helps qualified Floridians determine whether bankruptcy is appropriate and assists with preparation, filing, and representation in bankruptcy court when eligible.

Call 1-888-582-3410 to find out if you qualify for free bankruptcy assistance through FRLS.