Bankruptcy doesn't mean that you have to lose everything you own. Giles and Lambert, P.C. can help you get a fresh start. They offer free bankruptcy consultations for both individuals and businesses, prompt filing, and payment plans. Many folks think that Chapter 7 is the only type of bankruptcy they want to consider. But Chapter 13 has many great benefits - YOU get to structure your debt payments - NOT your creditors! You can restructure car payments, catch up past due mortgage payments, and lots more - on your terms. Filing bankruptcy will discharge most -- if not all -- of your debts, making your finances much more manageable. If you've received a chapter 7 bankruptcy discharge, you won't be able to file again for eight years, however you can file for a chapter 13 repayment plan. To creditors, this actually makes you a better risk. It means your future debts will be collectible.We are told that most people with debt problems can expect a 50 to 75 point improvement on their credit score after their debts have been discharged in a bankruptcy.