{"id":655,"date":"2026-09-24T18:25:41","date_gmt":"2026-09-24T18:25:41","guid":{"rendered":"https:\/\/ssitworks.com\/kalralawfirm\/?page_id=655"},"modified":"2026-09-29T22:13:47","modified_gmt":"2026-09-29T22:13:47","slug":"chapter-7-v-chapter-13","status":"publish","type":"page","link":"https:\/\/ssitworks.com\/kalralawfirm\/chapter-7-v-chapter-13\/","title":{"rendered":"Chapter 7 v. Chapter 13"},"content":{"rendered":"<div class=\"et_pb_section_0 et_pb_section et_section_regular et_block_section\">\n<div class=\"et_pb_row_0 et_pb_row et_block_row\">\n<div class=\"et_pb_column_0 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_text_0 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><p>Not all bankruptcies are equal. Each type of bankruptcy is specifically designed with certain rules and regulations in regards to income limits and assets. When you make the decision to file bankruptcy, you need to carefully consider which type of bankruptcy is best for your unique situation.<\/p>\n<h3>Chapter 7 Bankruptcy<\/h3>\n<p>Chapter 7 bankruptcy has specific income limits that you must fall below in order to declare. If your income is over the limit, you will be required to file chapter 13 bankruptcy. In chapter 7 bankruptcy, your non-exempt assets are liquidated in order to offset the outstanding debts, and whatever is left over is usually wiped out, with a few exceptions. Chapter 7 bankruptcy is ideal for individuals or families with a significant amount of debt and a low income, and who don\u2019t own a great deal of valuable assets.<\/p>\n<h3>Chapter 13 Bankruptcy<\/h3>\n<p>If your income limit is too high, chapter 7 bankruptcy will not be an option for you. Chapter 13 bankruptcy does not involve the liquidation of assets and the clearing of debts \u2013 it instead involves negotiating a reasonable payment plan for your debts. The court will decide how much of your income is disposable and can be put towards your debts, and you will be put on a strict 3-5 year repayment plan. The court will appoint a trustee who will oversee your finances during this time.<\/p>\n<p>At the Kalra Law Firm, we have an intimate knowledge of both types of bankruptcy and will thoroughly investigate your unique situation to determine which type of bankruptcy would be best suited for your circumstances and leave you with the most favorable outcome. Call us today for a bankruptcy consultation. <strong>(310) 325-9012<\/strong>.<\/p>\n<noscript class=\"ninja-forms-noscript-message\">\n\tNotice: JavaScript is required for this content.<\/noscript>\n<div id=\"nf-form-1-cont\" class=\"nf-form-cont\" aria-live=\"polite\" aria-labelledby=\"nf-form-title-1\" aria-describedby=\"nf-form-errors-1\" role=\"form\">\n\n    <div class=\"nf-loading-spinner\"><\/div>\n\n<\/div>\n        <!-- That data is being printed as a workaround to page builders reordering the order of the scripts loaded-->\n        <script>var formDisplay=1;var nfForms=nfForms||[];var form=[];form.id='1';form.settings={\"ninjaForms\":\"Ninja Forms\",\"changeEmailErrorMsg\":\"Please enter a valid email address!\",\"changeDateErrorMsg\":\"Please enter a valid date!\",\"confirmFieldErrorMsg\":\"These fields must match!\",\"fieldNumberNumMinError\":\"Number Min Error\",\"fieldNumberNumMaxError\":\"Number Max Error\",\"fieldNumberIncrementBy\":\"Please increment by \",\"fieldTextareaRTEInsertLink\":\"Insert Link\",\"fieldTextareaRTEInsertMedia\":\"Insert Media\",\"fieldTextareaRTESelectAFile\":\"Select a file\",\"tableInsertRowAbove\":\"Insert Row Above\",\"tableInsertRowBelow\":\"Insert Row Below\",\"tableInsertColumnLeft\":\"Insert Column Left\",\"tableInsertColumnRight\":\"Insert Column Right\",\"tableDeleteRow\":\"Delete Row\",\"tableDeleteColumn\":\"Delete Column\",\"tableDeleteTable\":\"Delete Table\",\"tableLegacyNotice\":\"This content has tables in the old editor format. 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