Chapter 13 [C13]

Excessive debt is a problem millions of Americans deal with every year. Whether this debt is caused by medical expenses, job loss or financial issues, one fact remains: bankruptcy has become an increasingly damaging way to deal with it.

Aside from the overall stigma that comes with declaring bankruptcy, it can prevent you from obtaining any form of credit for years to come. What's more, bankruptcy does not necessarily alleviate all debt, and often simply restructures already existing debts - leaving you on the hook for all future payments. We recommend that you avoid bankruptcy if you can.

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