At Seymour and Associates, we handle Chapter 7 and 13 bankruptcies. Chapter 7 is a bankruptcy in which you eliminate all your credit card debt, payday loan debt and finance company debt. If those particular creditors tell you that the debt can not be discharged, that is not true. Chapter 7 is also called the "fresh start bankruptcy" since all the cubersome, unsecured debt is eliminated. Only an experienced bankruptcy attorney can advise you which chapter is best for your case.