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Chapter 13 bankruptcy, also called as wage earner's plan, acts like a consolidation loan. With this type of bankruptcy, you will be able to develop a plan to make monthly payments to creditors.
This will help you save your house and car. You will be able to get out of debt and rebuild your credit without any contact with the creditors. Chapter 13 bankruptcy stays on your report for 7 years.
Reduce debt with Chapter 13 bankruptcy