Stop creditors. Get more time to pay.

Chapter 13 bankruptcy offers unique debt solutions not available in Chapter 7 bankruptcy. Yes, you'll pay into a repayment plan. But your money will go toward the debts that matter most--like your mortgage, car loan, support obligations, and taxes. Remaining debts, such as credit card balances, medical bills, and utility bills, usually get only a fraction of what you owe.

Some of Chapter 13 bankruptcy's other features include allowing filers to:

• keep all property
• avoid foreclosure and vehicle repossession
• pay the fair market value for a car, and
• stop lawsuits, wage garnishments, and bank levies.

This revised edition covers all the latest changes in bankruptcy and is eco-friendly--we've moved many tables and forms online!