Bankruptcy Process | A Road Map
Chapter 7 process is a template which can vary case to case. This is grossly over-simplified, but at least can provide a basic road map to where we're headed.
Chapter 13 Bankruptcy | Best Debt Consolidation for Now
Chapter 13 is a debt consolidation plan where you pay a bankruptcy trustee. It's fixed payments for a fixed time. At the end, all unpaid debt is forgiven.