Have you tried out various ways to get out of debts? Or do you think that bankruptcy is the only solution to a debt free life?
You can file either of [b:7b83d9946a]bankruptcy chapter 7 or Chapter 13[/b:7b83d9946a] but this depends on your financial ability to pay off debts. This is determined by the Means Test introduced by the New bankruptcy Law.
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[*:7b83d9946a]Chapter 13 Bankruptcy[/list:u:7b83d9946a]