Start Fresh! Claire has helped hundreds of people overcome their debts. We will dedicate ourselves to helping you through the bankruptcy process. Free no obligation first consultation. Stop garnishment, foreclosure, repossession and harassment. We understand money is an issue. For affordable rates, call us first! Ch. 7 and Ch. 13 Bankruptcy. Bankruptcy is a federal court process that helps you eliminate your debts or repay them under the protection of the bankruptcy court. There are two types of Individual Bankruptcy: Chapter 7 and Chapter 13.