Chapter 7 bankruptcy only lasts about 4 months from start to finish, whereas Chapter 13 bankruptcy generally takes 3 to 5 years. At a glance, it may seem like Chapter 7 is the obvious choice, but really it all depends on your specific situation. For example:

  • You might decide that Chapter 7 bankruptcy is the better option for you if your main concern is getting a fresh start as quickly as possible.
  • If you're more concerned about foreclosure or having your car or home taken away, then Chapter 13 is probably going to be a better route for you.

Navigating the bankruptcy process can be tricky, but fortunately you don't have to do it alone — or even pay to get answers from an experienced legal professional. As a Huntsville bankruptcy lawyer, I offer free consultations to people throughout northern Alabama. During our talk, I'll listen to understand your unique situation and walk you through your best options.