Which chapter are you filing under?

Chapter 7 wipes out most unsecured debt, like credit cards and medical bills, in about 3–4 months — but property that isn’t protected by an exemption can be sold. Chapter 13 lets you keep your property, and catch up on a mortgage or car loan, by paying into a court-approved plan for 3 to 5 years. Which one fits usually comes down to your income and what you own.