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Filing for consumer bankruptcy can offer relief to individuals struggling to pay their debts, whether it be from loss of employment, illness, divorce or any other financially stressful circumstance. Bankruptcy allows individuals to put a stop to harassing collection efforts, avoid foreclosure in certain circumstances and get a fresh start. However, bankruptcy is not the right answer for everyone facing financial difficulty. Consumer bankruptcy most often involves filing for either Chapter 7 or Chapter 13, and each option has its pros and cons. Making the decision to file for bankruptcy is an important one and one that you shouldnt make until you are fully informed about all of your options.
This section contains additional details about consumer bankruptcy to help you make an informed choice.