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Options available for personal bankruptcy include Chapter 7 bankruptcy and Chapter 13 bankruptcy. Each has its distinct advantages. An experienced bankruptcy attorney can help you determine which option is right for your current situation. Chapter 7, or liquidation bankruptcy, essentially wipes your financial slate clean and allows you to focus your hard-earned money on everyday monthly living expenses. With Chapter 7, you can get rid of some of the most common types of unsecured debt:

• Credit card debt
• Divorce related debts
• Medical related debts
• Failed Business Debts
• Bank loans
• Certain Tax Debts

Another option is a chapter 13 Bankruptcy, Chapter 13 states that you plan to pay down your debts over the next 3-5 years but it does stop phone calls, lawsuits, wage garnishments, and other actions taken against you by your creditors. Typically for Chapter 13 you need to prove your income is a certain threshold above living expenses.