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[GRAPHIC: MILLER & MILLER, ATTORNEYS AT LAW, Are there any options with bankruptcy?]

MALE VOICE: The options are--most of the time--are going to come down to doing a Chapter 7 or a Chapter 13.

[GRAPHIC: Most people decide to file either Chapter 7 or Chapter 13 Bankruptcy]

MALE VOICE: And a Chapter 7 is a discharge of one's debt, where we get rid of medical bills, credit card bills, utility bills.

[GRAPHIC: Chapter 7 *Discharges debts like: - Medical Bills, - Credit Card Bills, - Utility Bills]

MALE VOICE: In Chapter 7, we cannot get rid of taxes, fines, tickets, citations. Essentially, anything owed to the government is difficult to get rid of.

[GRAPHIC: *Will not discharge: - Taxes, - Fines, - Tickets or Citations]

MALE VOICE: And then there's a Chapter 13, which is a repayment plan. And we use the Chapter 13 in a situation where you're behind on a car payment or you're behind on a mortgage payment and you need help getting caught up.

[GRAPHIC: Chapter 13 *Sets up a plan to repay: - Car Loans, - Mortgages, - Taxes, - Unexpected Debts]

MALE VOICE: A Chapter 13's also a great type of bankruptcy to help somebody who has tax liability, that they need to set up a payment plan with the IRS or set up a payment plan for an uninsured car accident or something like that.

[GRAPHIC: MILLER & MILLER, ATTORNEYS AT LAW]