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Will Filing For Bankruptcy Haunt Me Forever Rather than focus on the perceived negative aspects, you should concentrate on the positive ones. Your Bankruptcy Attorney - Guiding You through the Process Here is what your bankruptcy attorney will do once you have contacted them. Should I File Chapter 13 Or 7 Bankruptcy? Usually (depending on the situation), individuals try to file for bankruptcy under Chapter 7 in order to get most of their outstanding debts discharged. The time taken to do this is also quite less as compared to filing under Chapter 13. Stopping Foreclosure On Your Home A foreclosure on a mortgage is a legal step that a lender resorts to when a consumer cannot repay the mortgage loan. The lender forecloses on the property and puts it up for sale to recoup their investment.