Read this article…It discusses the difference between Chapter 7 & Chapter 13:
There are two main types of bankruptcy filed by those with consumer debt: Chapter 7 and Chapter 13. The best type for any individual will depend on that person’s current financial situation, their goals for filing bankruptcy and the types of assets they have.
http://www.24-7pressrelease.com/press-release/bankru

Is Chapter 13 really a solution, or is it just delaying the inevitable?
Here is a unique study from “University of Iowa law professor and bankruptcy researcher Katie Porter”
More than 70 percent of homeowners who filed Chapter 13 bankruptcy in Porter’s study live in unaffordable homes, which means that even if they stave off foreclosure for [...]

From Pittsburgh,
it’s no surprise bankruptcies in Western Pennsylvania have jumped by 9 percent so far this year and in 2008, experts say.
Click here to read the entire story:
http://www.pittsburghlive.com/x/pittsburghtrib/business/s_621304.html