Bankruptcy represents both the most devastating debt solution for the debtor's credit while providing the most complete elimination of the debt. A chapter 7 personal bankruptcy can wipe out all of a person's debts, allow them to keep all of their possessions and get a fresh start again. Exactly who can qualify to have their debts discharged in a "no asset" case where they retain everything varies by state. In chapter 13 bankruptcy cases debtors reorganize their finances by paying a portion of what they owe as settlement in full of their debts. Chapter 13 mainly comes into play as a means to save a home from foreclosure. To find an attorney near you try Total Bankruptcy or AttorneyFind or call 877-219-3201. For more information on bankruptcy you may read some of the many pages at Debtor Links or answer the pre-qualification questionnaire on bankruptcy, which will also aid in establishing how your situation fits within your own state's rules.