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Filing bankruptcy is a serious decision. One that requires professional advice to ensure you file under the right chapter of the federal bankruptcy code. Entering chapter 7 bankruptcy may be your best option if you have no money or assets. On the other hand, if you own a home, car, land, or other major assets, then chapter 13 might be a better option. If you own a business or operate a farm, then filing bankruptcy under chapter 11 or 12 is the way to go. .