About chapter 7 bankruptcy and personal bankruptcy laws

At 1st I should explain what is chapter 7 bankruptcy?

I will refer this explanation from uscourts.gov,

“A chapter 7 bankruptcy case does not involve the filing of a plan of repayment as in chapter 13. Instead, the bankruptcy trustee gathers and sells the debtor's nonexempt assets and uses the proceeds of such assets to pay holders of claims (creditors) in accordance with the provisions of the Bankruptcy Code. Part of the debtor's property may be subject to liens and mortgages that pledge the property to other creditors.”

It is now clear about chapter 7 bankruptcy by the above mentioned definition because it is one of the big definition about chapter 7 bankruptcy.

Now, I should explain about personal bankruptcy laws. About the personal bankruptcy laws we can take a reference from bankruptcyinformations.com,

“The Bankruptcy Law Court official with decision-making power over federal bankruptcy cases is the United States bankruptcy law judge, a judicial officer of the United States district court. The bankruptcy law judge may decide any matter connected with a bankruptcy law case, such as eligibility to file or whether a debtor should receive a discharge of debts.”

Now, bankruptcy laws is more clearer by this definition because it define the laws of bankruptcy.

One more question should rise in this chapter - pay off credit card debts. It is related to the chapter because without paying off credit cards debts a person can come under bankruptcy laws. So, the definition about pay off credit cards debts are not suitable except the tips to pay off credit card debts.