When people consider filing bankruptcy, they naturally would like the whole thing over as fast as possible. No one wants to pay into a three- to five-year repayment plan unless it’s necessary. Fortunately, if you file for Chapter 7 bankruptcy, you don’t have to, because unlike Chapter 13 bankruptcy, you aren’t required to make payments to your creditors. If you’re eligible, you get to keep, or “exempt,” property, such as a simple car and household belongings. When your bankruptcy is over, your nonpriority, unsecured debts—such as credit card balances, medical bills, personal loans, and overdue utility bills—get wiped out, or “discharged.” Even so, Chapter 7 bankruptcy might not provide the solution you need.