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Chapter 7 - A Fresh Start **STOPS:** *Repossessions *Creditor Harassment *Utility Shut-Offs *Garnishments *Lawsuits While You May Keep Your Car, Your House, Your Personal Property Chapter 13 - Reorganizes Your Debts **STOPS:** *Foreclosures *Sheriff Sales *Stop All Collection Action Against You Pay Only What You Can Afford to Pay Over Time While Retaining Your Property