In a Chapter 7 bankruptcy, an individual will typically have mostly consumer debts. The trustee will liquidate or sell certain property, using the proceeds to pay creditors. In a Chapter 13 bankruptcy, an individual keeps his or her property and follows a three to five-year court-approved repayment plan. These payments are used to pay creditors.
The TCPA is another law that helps fight debt collector harassment over the phone. The law restricts the use of automatic dialing systems (robocalls) and prerecorded messages, among other protections.