Chapter 7 Bankruptcy can stop bank and wage garnishments, stop utility disconnects, stop repossessions, and reinstate drivers license privileges. Chapter 13 Bankruptcy to stop foreclosure and keep your home, and get rid of your second mortgage. Chapter 13 Bankruptcy can consolidate all of your debts to an affordable payment based upon your own income and personal expenses. Bankruptcy can be filed the same day if necessary to stop garnishments, repossessions and foreclosures. Get a fresh start and end the worry of debt by putting an end to harassing telephone calls