We deal with Chapter 7 and Chapter 13 Bankruptcies at Hildebrand Law. 

Chapter 7's are liquidation bankruptcies. They allow the Trustee to sell any non-exempt property in order to pay the creditors. They will not keep your property from being reposed in the event you fail to maintain payments. However, there is no required payment plan to the trustee and discharge is easier to obtain.

Chapter 13's are reorganization bankruptcies. They require the debtor to commit to a payment plan, and if is not upheld- will cause the case to be dismissed. However, Chapter 13's allow the debtor to keep, and continuing paying, on property like a mortgage, or vehicle. 

Some of the following would be secured debts; student loans, mortgages, child support or alimony, tax debts or  government fees, as well as auto-loans. These debts may not be erased  and will most likely not be discharged. 

If you're considering filing a bankruptcy, contact us to see which of your options might be best for you.