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Curious as to know what, if any advantages, there would be in filing Ch13 vs Ch7. Obviously, I am hoping for the Ch7, but if our attorney comes back and tells me we don't qualify due to income and our expenses, what would the advantage be by filing for Ch13? We do not own any assets or anything like that.
Since a Ch13 would still be a repayment and will hurt my credit anyway, I feel like this is one case where Debt Settlement would be a better option. I've been in the Debt Settlement industry for years so I know it works and, of course, wouldn't make sense if we are approved for a Ch7.
Thoughts?
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