Most people looking to file bankruptcy are seeking a Chapter 7 that will discharge the majority if not all of the debts you owe. Some will need to file for Chapter 13 and pay a portion of debts back to their creditors over a 3 to 5 period of time. Some may have no choice if they are keep real estate or other non exempt assets. Now there is a rush to PUSH you into costly and unnecessary Chapter 13 bankruptcies even though you are better off filing for Chapter 7 Relief. This is happening in the area of cars. You bought a car with a high interest rate. You can't afford 20 plus percent anymore. A bankruptcy lawyer promises to lower that rate while saving you thousands of dollars. Little did you know you would be paying the lawyer thousands of dollars. You should be wary of any Bankruptcy attorney trying to pressure or by omission in their discussion with you to put you into these types of bankruptcies with the promises of low down fees or even ZERO down fees until you look at the astronomical attorneys fees you will be paying them over a stretch of three to five years! Beware! Know your options. IF you must file for Chapter 13 because your income is too high; you have a previous Chapter 7 within the preceding 8 years; pending foreclosure; pending repo; tax or child support issues, then Chapter 13 may be the only option. But we are seeing an epidemic in the legal community of pressuring people who qualify for Chapter 7 being put into these highly expensive bankruptcies with attractive come ons like zero down. Don't be a victim or fall prey. Know your options before you put down one thin dime.