Chapter 7 allows individuals an opportunity to start over.

LAW OFFICE OF DAVID CARL HILL

We help familes and individuals regain financial control of their lives

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Chapter 7
Chapter 13 is a type of bankruptcy that allows individuals to reorganize their debts into an affordable payment plan. This option is typically used to stop foreclosures, tax seizures, repossessions and garnishments. It also helps protect assets that might otherwise be sold to pay creditors.
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Chapter 13
Estate Planning consists of organizing your assets in a way that allows you to enjoy the fruits of your labor during your life and to provide an orderly transition to your heirs.
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Estate Planning

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Foreclosure.
Ten common questions about foreclosure and three solutions