Which is best 7 or 11 if I am filing seperate. Wife pays mortgage and Car

For the information that you've provided, chapter 7 bankruptcy would be your best choice. Chapter 11 bankruptcy is more for small business owners who want to get back on their feet, chapter 7 is for consumer debt. A consumer can take advantage of chapter 11 bankruptcy, but I see nothing in your question that would indicate any reason for you to attempt to file a chapter 11. Not to mention Chapter 11 bankruptcies cost almost 10 times what a chapter 7 bankruptcy costs and legal fees. I have responded to your inquiry according to the laws of Massachusetts, where my firm is located. Laws can vary significantly from state to state and cases tend to be rather fact-specific, so you are best served by consulting with a knowledgeable attorney in weighing your options. Email messages/Online Correspondence are akin to conversations and do not reflect the level of analysis applied to formal legal opinions. Email/Online responses do not form an attorney-client relationship.    Joseph F. Botelho, Esq. BOTELHO LAW GROUP Attorneys At Law http://fallriverbankruptcyattorney.com/ 901 Eastern Ave.  Unit 2 Fall River, MA 02723  Office:  888-269-0688 FAX:    877-475-8147 #bankruptcy  #lawyer  #FallRiver  #Chapter7  #chapter13  #debt  #debtsettlement  #foreclosure  #attorney   #cantpaybills  #lawsuit  #court  #bankruptcycourt  #eviction  #lostmyjob, #student, #loans, #education, #IRS, #taxes