When filing for Chapters 11 or 13 your bankruptcy file must contain a schedule of all debts and assets and a proposed payment plan.  Before you file bankruptcy you should speak to a qualified attorney.  Bankruptcy filings do not necessarily encompass all of your outstanding debts and when a consumer files bankruptcy it will show on your credit report for up to 10 years.  There may be more attractive options for you than a bankruptcy filing.  Speak to an attorney to find out.

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