Chapter 7 (Liquidation)

1. All your assets are exempt or any that are not you do not care about or can do anything about.

2. Your debts are primarily unsecured debts like credit cards or medical bills and not a substantial amount owed in traffic infractions (as opposed to criminal fines) ; in situations in which you have a divorce in which you promised to pay in said divorce certain debts then speak to your attorney on those issues;

3. You cannot afford your unsecured debts after you have attempted to pay your basic normal and reasonable living expenses. You exceed the Chapter 13 debt limits preventing that option. Advantages of Chapter 7