Chapter 7 Petitions (Liquidation for Individuals) and Chapter 13 Petitions (Re-Payment Plan for Individuals over a five year period). Each plan is unique and the one appropriate for you depends on your circumstances. Although the new bankruptcy law makes it more difficult to seek bankruptcy relief, it is still possible to “get out from under extraordinary debt” and “start all over again”. Most people still qualify for Chapter 7 and Chapter 13 Bankruptcy Relief. Our attorneys will analyze your situation, provide advice on your bankruptcy options and handle all bankruptcy proceedings.