A new year is upon us and it may be time for a fresh economic start.  If you feel you are approaching the last exit on the economic road, you can start all over again by choosing a Chapter 7.  This approach will discharge all of your debt 100% and allow you to keep everything you own through a system of exemptions.  Moreover, your credit score will improve substantially in about 15 months.  If you want to find out more, contact Attorney Mark O Grater at 860-449-8059 or check out his web cite at www.graterlaw.com.