Deciding which bankruptcy is right for you is, obviously, going to depend on your specific facts. There is no blanket answer that one can give to that question. The things that I look for, when I'm speaking with a client, is what goals do you have? Are you trying to save a house? Are you trying to save a car? Are you trying to prevent a garnishment, or deal with high interest, and large student loan debt? All of these things, the answers to those questions, will guide you as to whether a Chapter 7 or Chapter 13 is the best option for you.