{"id":46193,"date":"2020-07-24T00:00:00","date_gmt":"2020-07-24T05:00:00","guid":{"rendered":"https:\/\/duplicate-3724934.findlaw6.flsitebuilder.com\/blog\/2020\/07\/chapter-7-bankruptcy-vs-chapter-13-bankruptcy\/"},"modified":"2020-07-24T00:00:00","modified_gmt":"2020-07-24T05:00:00","slug":"chapter-7-bankruptcy-vs-chapter-13-bankruptcy","status":"publish","type":"post","link":"https:\/\/debrabrozlaw.com\/es\/blog\/2020\/07\/chapter-7-bankruptcy-vs-chapter-13-bankruptcy\/","title":{"rendered":"Cap\u00edtulo 7 de bancarrota vs. Cap\u00edtulo 13 de bancarrota"},"content":{"rendered":"<p>Si est\u00e1 considerando declararse en bancarrota, quiz\u00e1s ya sepa que los dos tipos principales de bancarrota que se utilizan son el Cap\u00edtulo 7 y el Cap\u00edtulo 13. Son muy diferentes; podr\u00eda ser elegible para uno y no para el otro. Por ejemplo, puede ganar demasiado para acogerse al Cap\u00edtulo 7, pero a\u00fan podr\u00eda acogerse al Cap\u00edtulo 13 seg\u00fan sus ingresos.<\/p>\n<p>Lo que necesitas saber es en qu\u00e9 se diferencian ambos programas. \u00bfCu\u00e1l es la mejor opci\u00f3n para ti?\u00a0<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/chapter-7\/reasons-to-file-for-chapter-7-bankruptcy-instead-of-chapter-13.html#:~:text=Chapter%207%3A%20You%20have%20to,keep%20your%20nonexempt%20valuable%20property.\" target=\"_blank\" rel=\"noopener\">Depende de tu situaci\u00f3n<\/a>.<\/p>\n<p>En primer lugar, el Cap\u00edtulo 7 es lo que a menudo viene a la mente cuando se piensa en la bancarrota por primera vez. Hay activos exentos que se pueden conservar, pero se deben vender o liquidar los activos no exentos. Esto genera capital que puede utilizarse para pagar a los acreedores lo m\u00e1ximo posible. Cuando esos fondos se agotan, se puede cancelar la deuda restante sin saldarla.<\/p>\n<p>Con el Cap\u00edtulo 13, debe realizar pagos seg\u00fan un plan de pago programado. Por eso se usa a menudo para personas con ingresos m\u00e1s altos. Su deuda simplemente se reorganiza. El plan de pago generalmente es de tres a cinco a\u00f1os. Esto es \u00fatil cuando gana dinero, pero simplemente no puede pagar toda la deuda de una vez. Distribuir el pago le permite pagarla y, al mismo tiempo, llegar a fin de mes.<\/p>\n<p>Estos son los conceptos b\u00e1sicos de ambos tipos de bancarrota, pero hay muchos detalles complejos que tambi\u00e9n querr\u00e1 considerar. A medida que avanza, puede ser \u00fatil...\u00a0<a href=\"\/es\/bankruptcy-law\/\">trabajar con un equipo legal<\/a>\u00a0Que tenga experiencia, est\u00e9 dedicado y motivado a encontrar sus mejores soluciones.<\/p>","protected":false},"excerpt":{"rendered":"<p>Si est\u00e1 considerando declararse en bancarrota, quiz\u00e1s ya sepa que los dos tipos principales de bancarrota que se utilizan son el Cap\u00edtulo 7 y el Cap\u00edtulo 13. Son muy diferentes; podr\u00eda ser elegible para uno y no para el otro. Por ejemplo, puede ganar demasiado para acogerse al Cap\u00edtulo 7, pero aun as\u00ed podr\u00eda [\u2026]<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-46193","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Chapter 7 bankruptcy vs. Chapter 13 bankruptcy - Debra L. 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For instance, you can earn too much to use Chapter 7, but you may still be able [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/debrabrozlaw.com\/es\/blog\/2020\/07\/chapter-7-bankruptcy-vs-chapter-13-bankruptcy\/\" \/>\n<meta property=\"og:site_name\" content=\"Debra L. 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