Deciding whether you need to file for bankruptcy to get a grip on your debt problems can be a tough decision, emotionally as well as financially. You may feel like just giving up when you learn that you must also choose between two kinds of bankruptcy, known only by the cryptic names "Chapter 7" and "Chapter 13".

          Chapter 7 bankruptcy is the more familiar "liquidation" bankruptcy. Your debts that qualify, typically unsecured debts, are wiped out completely.

          Chapter 13 bankruptcy is "reorganization" or "wage earner's plan" bankruptcy, where you repay your debts either in full or in part over a three or five year period.

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