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An advantage of filing a Chapter 13 case is that you can get out of it if your situation changes. But you must consider the consequences.

It’s good to know in advance that you can usually get out of an ongoing Chapter 13 bankruptcy case by simply asking to do so.

Once you file a Chapter 7 bankruptcy case, you can’t necessarily get out of it. So it’s all the more important to make a good decision.

If necessary you can usually change your Chapter 7 “straight bankruptcy” case into a Chapter 13 “adjustment of debts” one.

If you and your spouse have significant tax debts, each of you have your own self-interest, which may require different solutions.

Deciding whether your spouse should join in your bankruptcy case requires a full understanding of your unique situation.

Filing bankruptcy with or without your spouse affects the protection you each receive from the IRS and state tax agencies.

Filing bankruptcy with or without your spouse affects the liabilities you can discharge.

Whether you file bankruptcy with your spouse affects the protection from creditors each of you gets, also whether you file Chapter 7 or 13.

Couples can file bankruptcy separately or together. One of the factors of that choice is the amount of assets that can be protected.