|Chapter 7:||For debtors with relatively little assets, other than residence or vehicles with small amounts of equity. Completing a Chapter 7 proceeding results in a complete discharge (wiping out) of unsecured debts, with exceptions for most state and federal taxes, educational loans, child support and certain other debts.|
|Chapter 13:||For debtors who are behind in mortgages, or who have assets which would have been distributed to creditors in a Chapter 7 bankruptcy. Chapter 13 cases require debtors to make regular payments to a trustee for at least 3 years.|
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|Law Office of Gary M. Moore||535 S. Washington Street Naperville, IL 60540||Phone: (630)357-6966|
|Email: garymoore@Naperlaw.com||Fax: (630)357-1210|