They are legally called Consumer Reporting Agencies. They are for-profit business and are not government agencies, nor affiliated with any government. They are regulated mainly by the Fair Credit Reporting Act, and many other laws. They collect and keep consumers' info...
A chapter 13 bankruptcy is considered a reorganization bankruptcy. It becomes a repayment plan that is anywhere between 3-5 years. It helps paying off some of your past-due and current debts and helps you keep valuable property...
The reality is that it is impossible to say if you can do a bankruptcy without analyzing your specific situation. In general, there are very, very few restrictions to who can file bankruptcy. The question normally is not "can I?", but "should I?"
Call us if you are searching for a Houston bankruptcy lawyer to schedule a free consultation with a Houston bankruptcy attorney at our Houston bankruptcy law office.