Chapter 7 bankruptcy is the most common form of bankruptcy debtors file in the US. If you have minimal to no assets, then Chapter 7 is probably the right choice for you. All of your unsecured debt such as your credit card bills and personal loans will be wiped off your record; debts such as income taxes, child support, and student loans will remain. In addition, you will get to keep at least some of your personal property under the laws of exemption.

If you think Chapter 7 bankruptcy might be appropriate for your situation, then here you can find more details such as the types of debts normally discharged, Chapter 7 bankruptcy requirements, what property is exempt, debt reaffirmation, and the process for filing Chapter 7 bankruptcy.