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For additional information, please view the Court's General Information. Bankruptcy is a legal process which allows a person (a "Debtor"), who owes more money than he or she can currently repay, to either (1) repay a portion of the money over time under Chapter 11, 12, or 13, or (2) have the entire debt forgiven ("discharged") under chapter 7. Do I need an attorney to represent me in my bankruptcy case? Their fee is on a sliding scale based on your income.