Chapter 7 VS Chapter 13 Bankruptcy

Which One is Right for You?

There are essentially 2 types of bankruptcy that you can file for, Chapter 7 and Chapter 13. There are a couple of other types, but the vast majority of bankruptcies are either Chapter 7 or Chapter 13, so those are the two I’ll focus on today.

Chapter 7 Bankruptcy

Chapter 7 bankruptcy is designed for people with very little disposable income. It is often used by low income individuals for various reasons. Chapter 7 bankruptcy is also known as “liquidation bankruptcy” and it clears out unsecured debt. However, all of your nonexempt assets will be sold to help pay off your debt. Usually people with a lot of assets will not choose this route, usually it is lower income individuals who do not own any nonexempt property.

Chapter 13 Bankruptcy

You may have to file for a Chapter 13, or a reorganization bankruptcy, if you make too much to qualify for a Chapter 7 bankruptcy. Chapter 13 bankruptcy is for individuals who are able to pay back at least some of their debt.

A payment plan is set up based on your regular income. Many people prefer Chapter 13 Bankruptcy because it allows you to catch up on missed mortgages. I personally had to file for a Chapter 13 bankruptcy because of missed mortgages and I was able to catch up and keep my house.

After being foreclosed on multiple times and not making the payments, they were willing to work with me when I filed for bankruptcy and now I’m back on the right track. And I couldn’t have done any of it without BLC Law Center. You can learn a little bit more about them at

BLC Law Center is a group of bankruptcy attorney San Diego has had for years. They were extremely helpful right from the very start and I am very grateful for everything they have done. When I went to them I was so overwhelmed and I never thought I’d be able to get out of debt. But, they were able to help me and actually taught me along the way too.

They sat me down and talked about all of my legal options and explained that a Chapter 13 was probably the best choice for me. Once I decided to move forward with the Chapter 13, they pretty much did it all for me.

I couldn’t even imagine how hard it would have been for me to file by myself. I got lost in all of their legal jargon more than once, and I know without them I would have been totally screwed. Not only did they help me file for bankruptcy, they helped me get my freedom back as well. They finally got creditors to stop harassing me, and I can say it’s been like a breath of fresh air.

Everyone at BLC is so nice and understanding and I never felt like I was being judged for my poor decisions. The entire time, I felt like they really wanted to help me, and that’s a great feeling to have. Although bankruptcy was my absolutely last choice, it was extremely helpful and I’m glad I did it. It sounds a lot worse than it is and people end up getting the wrong idea about it.

If you love in southern California, there’s no one who can do it better. But, if you do not live in the southern California area, you should do some research on bankruptcy attorneys in your area. There are great attorneys all over America that are willing to help you get back on your feet.


Learn How to Clean Any Mess in Minutes

As a kid, Friday was always chore day. Well, not really, but Friday was when we had to have all of our chores done by, so Friday was when we ended up doing them. And as much as I always wished I was an only child, when chore day came I sure was glad I had so many siblings. See, growing up as the baby in a house of four boys and four girls, there weren’t really that many chores for me to do. Still, I had some basic ones, like taking out the recycling and putting away the dishes, but that was a breeze compared to some of the stuff my siblings had to do.

However, as the years went on, and my siblings moved out one by one, I got more and more chores loaded on my shoulders. Eventually, I was left to do all of the chores by myself. Needless to say, I was pretty miserable. My parents were pretty strict and if I ever wanted to do anything on the weekends, there was a list of chores I had to get done first. Eventually, I learned to space out the cleaning instead of saving it all for Fridays. This way, I could go out on Friday night if I wanted and cleaning seemed like much less of a bear when I only did a few minutes every day.

This translated to great time management skills later in life. And although I hated my parents at the moment, I have always been grateful for the life lessons that they taught me along the way. Especially after I moved out and saw how some of my friends were living. I admit, my apartment wasn’t always spotless, but it was never a huge mess because I picked it up throughout the week. Whereas my friends would just put it off because their parents had always cleaned up after them. A few of them actually still had their parents coming over every couple of weeks and cleaning for them.

This seemed pretty ridiculous to me, and one day I asked one of my friends why she didn’t just do it themselves throughout the week. She told me she didn’t really know how since her parents had always cleaned up after her when she lived at home. This totally baffled me, and that was the moment I really started appreciating all the tough lessons my parents made me teach myself, like self discipline and hard work.

I quickly became the one all my friends asked for help when they didn’t know how to clean something. Sometimes it was something really simple, like the overhead fan, and sometimes I honestly didn’t know how to clean it either, like when my friend asked me how to shampoo a couch. Although I had done a lot of cleaning at home, I had never shampooed my couch, that was something my mom did, and she did it rarely.

Out of answers, we turned to the internet for help. It was then that I learned about If you don’t already know, Mr. Cleaning is a website designed to solve cleaning problems, and make cleaning easier. It was there we were able to find an article on shampooing your couch. It was super easy to understand and worked like a charm. It guided us through making our own shampoo and fabric freshener, which has come in handy several times since shampooing the couch. In fact, I wrote down the recipe and have kept it in my house so that I can always have some on tap and ready to use.

After perusing around the site some more, we found several other articles that we were able to use, and tons of others that you might find useful. There are buying guides, product reviews, and more, making the entire cleaning process a breeze. If you are ever unsure of what pool cleaner, or car vacuum to buy, Mr. Cleaning can help you out. It can also help you out with various other cleaning problems, so when you find yourself in a cleaning pickle, check out Mr. Cleaning.