According to recent polls, more and more Americans are accumulating debt. Such debt can become overwhelming and creditors often become extremely rude when trying to collect the debt. Such debt can be eliminated and the harassing phone calls must stop when an individual files for Bankruptcy relief.

With certain prequalification and exceptions, individuals may file either a Chapter 7 or Chapter 13 Bankruptcy. Generally, Bankruptcy allows debtors to save their homes, eliminate most of their debt and have a “fresh start” with their financial situation.