Choosing Which Chapter to File Without a Bankruptcy Attorney
Most people when it comes to bankruptcy know which chapter they need to file. A general rule of thumb is to always start with a Chapter 7 bankruptcy. This is much less expensive and even can be done without a bankruptcy attorney. The processing time is much shorter than you get a typical discharge in about four months. In a chapter 7 there is only one hearing to go to, the meeting of the creditors. If you don’t have many assets, but you do have a lot of credit card debt Chapter 7 is generally the best. The only reason you wouldn’t be able to file Chapter 7 is because you make too much money.
