As a regular joe declaring chapter 7 bankruptcy is nearly impossible these days anyway. You’ll be on the hook for a substantial percentage of your discharged de

As a regular joe declaring chapter 7 bankruptcy is nearly impossible these days anyway. You’ll be on the hook for a substantial percentage of your discharged debts under chapter 13. 10 years later they even reopened my parents bankruptcy because they came into a relatively small sum of money from a medical law suit.