Chapter 7 bankruptcy is a liquidation proceeding in which the debtor's non-exempt assets, if any, are sold.
Chapter 11 bankruptcy is a form of bankruptcy reorganization available to individuals, corporations and partnerships. It has no limits on the amount of debt. The debtor usually remains in possession of assets.
In Chapter 13, the debtor can impose a debt management plan on creditors, which creditors must accept, stopping the running of interest on credit card debt. The court will enforce the plan.
Check with a lawyer in your locale to discuss more of the details.
Good luck to you.
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