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Is a Chapter 7 or Chapter 13 right for me?  There are many questions to consider.  Do I need to save my home from foreclosure?  If the answer is no, chapter 7 can possibly save your home and wipe out credit card debt enabling a homeowner to focus on the home bills.  A Chapter 13 Bankruptcy may allow the home owner to strip off a second mortgage and restructure his/her debt into a 3-5 year payment plan.

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