Okay, I have opinions. One of my opinions is that it's better, in a bankruptcy context, to get a discharge without having to suffer through a three-to-five year payment plan.
You know?
And I know that there are law firms that try to force you into a Chapter 13 because the legal fees are higher, and they can hornswoggle you into thinking that you got a great deal on your fees because the initial payment to your lawyer is small; but the rest of the dough to your lawyer gets paid through the Chapter 13 Plan, Bucko!
Anyway, here I am being a smart-aleck about Chapter 13 bankruptcy cases:
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