Karla Mary Kluzak

Considered a liquidation, but in most cases no property is ever lost. All eligible debt will be cancelled out. Including credit card debt, medical bills, past due utility bills, most judgments, and most income tax debt older than 3 years.

Referred to as "wage earners bankruptcy" is offered as an alternative to liquidation. Based on your household budget an affordable repayment plan will be set up for a period of 3-5 years. After 3-5 years eligible debt remaining is cancelled out.