One advantage of Chapter 13 over Chapter 7 bankruptcy is that filers can have full discharge. This means that the bankruptcy court wil put an injunction of the attempted collection or recovery of a debt. 

This form of bankruptcy protection is similar to an automatic stay, which are often used to stop creditors from harassing debtors. Both of these mechanisms are designed to give bankruptcy filers a chance at a fresh start in terms of their finances.

If you or anyone you know has considered filing for bankruptcy, contact the Austin personal bankruptcy lawyers of Slater Kennon LLP, at 512-338-1100.