BANKRUPTCY破产法

Filing a bankruptcy petition generally triggers the automatic stay, which pauses most collection actions and foreclosure. Exceptions apply, especially after prior filings, so the timing must be planned carefully.提交破产申请后一般会立即产生“自动中止”效力，暂停大多数催收行动及止赎程序。但存在例外，尤其是此前曾申请过破产的情况，因此必须谨慎安排时间。

Chapter 7 is generally faster and depends on income and assets. Chapter 13 lets you keep property, including a home, by paying through a three to five year plan. We review your income, assets and goals before recommending either.第七章通常较快，但取决于收入及资产情况；第十三章允许您通过三至五年的还款计划保留房产等财产。我们会先审查您的收入、资产及目标，再提出建议。