If you’re juggling medical bills, credit cards, and high-interest loans, “debt management” can sound safer than filing bankruptcy. But here’s the hard truth: debt management programs can’t stop collection calls, lawsuits, garnishments, repossessions, or foreclosure. For many families, things get worse before they get better. Bankruptcy flips that script—bringing legal protection and a clearer path forward right away.

What is Chapter 13 Bankruptcy? Who is it for, What debts can be included, and How Does it Work?

Highlights and key differences between Bankruptcy Chapter 7 and Chapter 13, and Debt Management to determine which is right for you.