You can file a chapter 7 bankruptcy once every 8 years.

Chapter 7 immediately stops garnishments, repossessions, collections, lawsuits, foreclosure, and harassment by all collectors, even the IRS.

You can discharge almost any type of debt or judgement (there are a few exceptions, such as some taxes, child support and alimony, criminal fines, and student loans.)

In most cases, you can keep your car or your house if you continue making the payments.

In most cases, the Court does not take any of your property or possessions.

If you are married, you can file a joint case with your spouse, or you can file individually.