Many debts, including judgments, are dischargeable in bankruptcy. In some cases ,bankruptcy may be the best solution. For individuals, Chapter 7 and Chapter 13 bankruptcy are the most common options. Chapter 7 bankruptcy allows debtors to discharge all or most of their debt. A typical Chapter 7 case lasts four to five months from the date of filing.

Chapter 13 is a payment arrangement whereby the debtors pay back a portion of their debt over 36 to 60 months. Debtors typically file under Chapter 13 if they are trying to save a house or other property, because Chapter 13 allows you to pay back any mortgage or other secured loan arrearage over time. Chapter 13 is also an option for debtors whose income is too high to qualify for Chapter 7.

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