For those individuals seeking relief from overwhelming consumer debt as well as creditor harassment, we can assist you with a Chapter 7 or Chapter 13 bankruptcy filing. A Chapter 7 bankruptcy will discharge your debts, and in some instances allow you to keep your home, vehicle and personal belongings. For those individuals who do not qualify for a Chapter 7 filing a Chapter 13 bankruptcy may be appropriate, depending on income level and the amount and type of debt to be discharged. Chapter 13 requires monthly repayment of debt over a period of time, usually three to five years.