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Two Types of Bankruptcy Available to Consumers

Are you thinking about pursuing bankruptcy due to your debts? If so, you have likely heard about two different types of bankruptcy offered in the U.S.: Chapter 7 and Chapter 13. Depending on your current financial circumstances and the amount of your debt, you may qualify for either one, but likely not both.

If you are lucky enough to qualify for both types of bankruptcy, you will then be given the chance to decide which type will work best for you. In most cases, individuals filing for personal bankruptcy prefer to file under Chapter 7 bankruptcy. This allows you to discharge a significant amount of your debts while repaying just a portion of the remaining amount.

Yet, with recent changes to bankruptcy law, filing for Chapter 7 bankruptcy has become more difficult. In order to qualify, you must pass several tests. If you do not qualify under these tests, you could still qualify for Chapter 13 bankruptcy. With this type of bankruptcy, you will be responsible for repaying your debt over the course of three to five years.

Anytime people are filing for consumer bankruptcy, they should contact Bizar & Doyle, LLC to enlist the services of one of our Chicago bankruptcy attorneys. If you have bankruptcy questions, we can provide answers during an initial consultation!

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The information on this website is for general information purposes only. Nothing on should be taken as legal advice for any individual case or situation.

Main Office: 123 W. Madison Street, Suite 205 Chicago, IL 60602
Phone Number: (312) 427-3100