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THERE ARE TWO PRIMARY METHODS OF DEBT RELIEF
Most individuals move forward with Chapter 7 or Chapter 13 bankruptcy. Chapter 7 is a liquidation plan. It eliminates all of your unsecured debts, but requires you to sell some of your assets to pay them off. Chapter 13 is a repayment plan. You can keep all of your assets, but all of your debts are consolidated and are to be paid within 3 to 5 years.