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Chhetry & Associates, P.Crepresents both individuals and businesses in their personal and business bankruptcy matters. Depending on the financial situations, we can help individuals file bankruptcy under Chapter 7, also known as straight bankruptcy, or under Chapter 13, also referred as wage earner bankruptcy. Filing bankruptcy under Chapter 7 is geared towards discharging certain debts and giving honest individuals a fresh start. Chapter 13, on the other hand, is a repayment plan depending on individual’s income and expense, which is usually only used when individuals are behind payments, and want to catch up on payments without liquidating their assets. We can also help businesses to file bankruptcy under either Chapter 7liquidation or under Chapter 11 reorganization. A Chapter 7 bankruptcy is filed by businesses seeking to liquidate the business. Chapter 11 bankruptcy, on the other hand, is designed for Businesses that have a current and future profitable business that is worth saving and needs to reduce and restructure debt obligation