The essential chapters for those facing Chapter Seven or Chapter Eleven. With the percentage of personal bankruptcies soaring to over 10% nation­wide, and the process for filing now more complicated, many are investigating their options. This guide, by a business journalist and bankruptcy expert, offers the reader comprehensive information on: all chapters of personal bankruptcy; the most current legal information; and a detailed explanation on filing.Jargon free, pragmatic financial adviceClear, complete and up-to-date information about all aspects of personal bankruptcyState by state exceptions under new lawsComplete listing of vital websites to research before filing