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Typically, individuals file Chapter 7 or Chapter 13 bankruptcy (Chapter 12 is generally reserved for farmers and fishermen while Chapter 11 is usually for businesses). Beyond the income cutoff, the difference between Chapter 7 versus Chapter 13 … Chapter 7 bankruptcy is normally simpler and takes less time than Chapter 13 bankruptcy. pter 7: is a liquidation … Chapter 7 Vs. Chapter 13: What Happens To Your Property When You File Bankruptcy. United States Bankruptcy Court Western District of Michigan Michelle M. Wilson, Clerk of Court But you may be wondering what the differences are between Chapters 7 and 13 … In some cases, depending on your particular circumstances, you and your spouse may agree to jointly file for Chapter 7 or 13 … Bankruptcy doesn’t mean automatically getting rid of all your property or life savings. Approximately 71% of all bankruptcy cases are Chapter 7 cases, while the remaining 29% are Chapter 13 bankruptcies. If you are going through a divorce, then the difference in debts you may have discharged in a Chapter 7 versus 13 may matter a great deal. Differences between Ghapters 7, 11, 12, & 13 What is the difference between filing bankruptcy under Chapter 7' under Chapter 13, and under Chapter rr ofthe Bankruptcy Code?

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