Should I file Ch. 7 or 13? I've had some debts for a while which I've wanted to pay off including school bills. Just a few minutes before writing this my car was taken since I haven't been able to make the last 3 payments. I currently hold 2 part-time jobs, which are barely able to provide for my other monthly bills at home. I want to go back to school, but know I won't be able to get loans. So before anything else, I'm considering filing for Chapter 7 or 13. If so what should I do, since I want to rebuild my credit, so that I can get loans soon for school and for a car?