Personal bankruptcy options for consumers two major types of personal bankruptcy apply to consumers chapter 7 bankruptcy allows debtors to discharge all or part of their debt in chapter 13 bankruptcy debtors repay all or part of their debt based on a payment plan. Bankruptcy options for the individual consumer find out more about this topic read articles and blogs or research legal issues cases and codes on findlawcom. If youre struggling check out your options for debt relief but bankruptcy may be the best option if your consumer debt the kinds listed above that can be erased equals more than half . Find out if a debt is considered to be consumer or non consumer business for purposes of the bankruptcy means test updated by cara oneill attorney its usually relatively simple to determine whether a debt is a consumer or non consumer debt for the purposes of the chapter 7 means test . If you are struggling with debt bankruptcy might be a good option but before you file for chapter 7 or chapter 13 bankruptcy explore alternatives to bankruptcy in some situations a non bankruptcy course of action may be your best remedy read on to learn about the main alternatives to bankruptcy when dealing with debt issues
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