Filing a bankruptcy is a difficult decision to make. Loss of employment, divorce, illness, medical bills, business failure, unexpected hikes in mortgage payments, and financial management issues are just a few reasons that cause good people to become overwhelmed by debt. People who fall behind in debt get trapped in an endless cycle of stress and pressure from debt collectors. You don’t have to stay there.

Bankruptcy is an option available under Federal law to eliminate your debts. There are two main chapters of the U.S. Code that consumers file bankruptcy under: Chapter 7 and Chapter 13. Both chapters are named after the sections of the U.S. Code that contains the details of the law. Bankruptcy laws are in place for the purpose of helping people like you get the relief they need.