The essential chapters for those facing Chapter Seven or Chapter Eleven. With the percentage of personal bankruptcies soaring to over 10% nationwide (USA Figure), 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. (This title relates mainly to US Bankruptcy Laws) In this edition- Jargon free, pragmatic financial advice . Clear, complete and up-to-date information about all aspects of personal bankruptcy. State by state exceptions under new laws. (US States) Complete listing of vital websites to research before filing.