Understanding the Difference Between Chapter 7 and Chapter 13 Bankruptcy

Bankruptcy is a legal tool designed to provide individuals and families with a fresh financial start. These filings fall under different chapters of the U.S. Bankruptcy Code, most commonly Chapter 7 bankruptcy and Chapter 13 bankruptcy. A qualified bankruptcy law attorney at Apex Legal Group PLLC can help you determine which option best fits your financial situation. Apex Legal Group PLLC in Monroe, MI can be reached at (734) 240-5050.

Chapter 7 Bankruptcy—Discharge Unsecured Debt Quickly

Chapter 7, also known as liquidation bankruptcy, is ideal for those with limited income and high unsecured debt. A government-mandated means test is required to qualify. If eligible, you may be able to eliminate


  • Credit Card Debt
  • Medical Bills
  • Personal Loans
  • Some Tax Debt


In most cases, you can retain your home and vehicle if you reaffirm your loans and keep making timely payments. Our Chapter 7 Bankruptcy Attorney Services are here to help you explore this path toward total debt discharge.

  • Bankruptcy Law — Monroe, MI — Apex Legal Group

Chapter 13 Bankruptcy—Reorganize and Protect Your Assets

Chapter 13 is designed for individuals with steady income who don’t qualify for Chapter 7. It allows you to create a court-approved repayment plan to pay back all or part of your debt over a period of 3–5 years. Chapter 13 can help:


  • Stop Foreclosure on Your Home.
  • Prevent Car Repossession.
  • Include Student Loans, Tax Obligations, and Government Debt in Your Repayment Plan.


With guidance from a trusted Chapter 13 bankruptcy lawyer, you can protect your secured assets while making manageable monthly payments.

  • Chapter 13 Bankruptcy — Monroe, MI — Apex Legal Group

Why Choose Our Legal Team for Your Bankruptcy Case?

Our bankruptcy law attorneys understand that every financial situation is unique. Whether you’re facing wage garnishment, creditor harassment, or foreclosure, we take a personalized approach to help you regain financial stability. You can expect:


  • Clear, Compassionate Legal Advice
  • A Customized Bankruptcy Strategy
  • Discreet, Professional Service
  • Streamlined Filing and Court Navigation

Schedule Your Bankruptcy Legal Consultation Today

Ready to find out which bankruptcy chapter is right for you? Contact Apex Legal Group PLLC to schedule a consultation with an experienced bankruptcy law lawyer in Monroe, MI. We’ll guide you through the process and help you get the debt relief you deserve.

📞 Call (734) 240-5050 today.



We are a debt relief agency. We help people file for bankruptcy relief under the U.S. Bankruptcy Code.