Many people believe that it is better to attempt to pay creditors back through a debt consolidation program than to file a Chapter 13 bankruptcy. However, there are significant differences between the two that might surprise you. This video will highlight some of the differences and how a Chapter 13 bankruptcy may be the better option for you.

If you are struggling to make the monthly payments on your bills, contact Hampton Roads Legal Services at 757-320-2010 to find out how a Chapter 13 bankruptcy can help you.