{"id":44,"date":"2021-09-07T19:48:47","date_gmt":"2021-09-07T19:48:47","guid":{"rendered":"https:\/\/www.jlhaddock.com\/wordpress\/?page_id=44"},"modified":"2025-09-25T01:24:40","modified_gmt":"2025-09-25T05:24:40","slug":"chapter-7-and-chapter-13","status":"publish","type":"page","link":"https:\/\/www.jlhaddock.com\/index.php\/chapter-7-and-chapter-13\/","title":{"rendered":"Chapter 7 and Chapter 13"},"content":{"rendered":"\n
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About Bankruptcy<\/strong><\/p>\n<\/div><\/div>\n\n\n\n

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There are a lot of rumors and misconceptions about Chapter 7 and Chapter 13 bankruptcies out there and sometimes it seems as though bankruptcy lawyers would rather tell you how much<\/em> they know than what<\/em> they know. We’re here to help you make sense of it all.<\/p>\n\n\n\n

Title 11 of the U. S. Code<\/a> is more commonly known as the Bankruptcy Code. The chapters in Title 11 layout the ways different entities may seek protection from creditors (or the ways in which their creditors may hold them to account in some cases). For instance, Chapter 9 relates to municipalities seeking bankruptcy protection (such as Detroit’s bankruptcy). Chapter 11 relates mostly to the reorganization of businesses. Chapter 12 relates to the adjustment of debts that family farmers and fishers owe. Most people seeking bankruptcy protection will do so through “consumer bankruptcies,” either Chapter 7 or Chapter 13.<\/p>\n\n\n\n

Now that we know their context in the broader scope of bankruptcy, let’s focus on the consumer bankruptcies:<\/p>\n\n\n\n

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Chapter 7 Bankruptcy<\/strong><\/h3>\n\n\n\n