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We help people with overdue bills get debt relief by filing bankruptcy. Chapter 7 eliminates unsecured debt. Chapter 13 creates a 3 to 5 year window to deal with arrears on property they want to keep, like a house or car. It can also eliminate or reduce unsecured debt like credit cards or medical bills, for example. Chapter 13 can actually modify the rights of secured creditors and stop foreclosure or judgments and wage attachments. We sometimes can lower your mortgage or car payment in ch 13.
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