Many people are concerned that if they file for bankruptcy, they will lose everything. That is not the case. DC Law Group aggressively advocates for your right to keep the things you need to make a fresh start after bankruptcy. Chapter 13 and Chapter 7 are the most common forms of bankruptcy. Secured and unsecured debts are treated differently under each. Secured debt is debt backed by collateral ― for example, a house or a car. If you default on a secured debt, your creditor