Most Americans don’t know the difference between Chapter 7 and Chapter 13 bankruptcy. There are advantages to each one, and specific reasons you’d want to choose one over the other. Watch our video to learn more about the difference between the two types of consumer bankruptcy.

If you have any questions or would like to know more, please call us at 214-760-7777 for a free bankruptcy consultation.


There are two types of bankruptcy proceedings that apply to individuals: a Chapter 7 and a Chapter 13.

A Chapter 7 is mainly to deal with unsecured debt, such as credit card debt and medical bills. The Chapter 7 is basically the type of case that allows you to eliminate those debts and put you into a better position financially moving forward.

A Chapter 13 is more of a restructuring type case. We find that we put people into Chapter 13s that are struggling with house payments or car payments or IRS issues. We can stop foreclosures in Chapter 13s, we can stop repossessions, we can stop garnishments with respect to the IRS… It’s all about putting you into a payment plan to catch you up on these items and stopping you from losing those items.

The difference between these two cases is generally all about budgets… it’s all about your financial picture, and ultimately it’s about coming in and understanding your options.

That’s why we urge if you’re having a tough time right now, if your struggling with any type of debt that’s out there, give us a call at 214-760-7777. Let’s run through your financial picture… let’s make some good decisions for you, and let’s have you start enjoying life a little bit more instead of struggling through it.