Trying to find a consumer debt relief program in your state will not always be that easy for most people. Back in 2005 there was a changeover in the bankruptcy laws. The change in the law has made it much more difficult for a consumer to qualify for Chapter 7. A Chapter 7 will discharge the debt owed in it’s entirety. If someone does not pass the “means test” to be excepted for Chapter 7 then they must look to go through what’s called a Chapter 13. A Chapter 13 is a court run repayment procedure. Where the court determines what you will re-pay to your creditors for a five year period, by reviewing your finances in great detail.

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Once you receive your credit card debt relief package things will get better. Back in 2005 there was a changeover in the bankruptcy laws. The change in the law has made it much harder for a debtor to qualify for Chapter 7. A Chapter 7 will completely wipe the slate clean of the debts owed. If a consumer does not pass the “means test” to be excepted for Chapter 7 then they will have to file a Chapter 13. A Chapter 13 is a court run repayment process. In this process the court determines what you will pay back to whomever you owe the debts for a five year period, by analyzing your finances in great detail.

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