The first thing that people have to decide is whether or not they’re going to do a chapter 7 liquidation or a chapter 13 re-organization. Once you educate them on those differences and why one’s better than the other, they all have pros and cons. Then, it’s just a matter of getting used to being in a chapter 13 because the chapter 13 lasts for long time, you know, the chapter 13 is designed to last 3 to 5 years whereas the typical Chapter 7 will last on average about six months. And so, people have to be used to being in bankruptcy for five years, and that can be hard. Call our offices and let us help you figure out which is best.