Bankruptcy provides a legal solution for unmanageable debts, allowing a fresh start. Bankruptcy options in Denver and Fort Worth include Chapter 7 and Chapter 13. Chapter 7 discharges unsecured debts based on eligibility, while Chapter 13 offers a repayment plan over 3-5 years. Bankruptcy consultations with specialists like Recovery Law Group can guide individuals through the process. Bankruptcy doesn't eliminate all debts, and creditors may still expect repayment.