The basic difference between Chapter 7 and Chapter 13 is this: in a chapter 7 case, you discharge your debt in one fell swoop and lose any un-protectable assets. In a chapter 13, on the other hand, you make payments to your creditors for a period of three to five years. Ordinarily, most Arizona clients would rather file a chapter 7 because it’s faster, easier, and much cheaper. But there may be reasons why either you cannot or should not file a chapter 7. One example is if you make too much money to qualify for a chapter 7. Another is if you want to force your mortgage, vehicle, or other secured lender to let you cure your default over a long period of time. There are lots of other reasons as well. Check with us to determine whether you should file a chapter 7 or chapter 13.