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welcome to the bankruptcy court for the Northern District of West Virginia we developed this video to help residents of this district understand some of the differences between a chapter 7 and a chapter 13 bankruptcy filing in this video we interview members of the public in bankruptcy professionals following those interviews we provide a brief check sheet of 20 differences between the two chapters and a brief discussion of each difference if you are watching this video because you are considering filing a bankruptcy petition you should know the bankruptcy can have serious long-term financial and legal consequences you should hire a lawyer to help you consider your options only a lawyer can give you legal advice about what can happen as a result of filing for bankruptcy if you choose to file a bankruptcy petition the lawyer can help you fill out the forms properly and represent your interests in the legal proceedings the law allows you to represent yourself in bankruptcy court however