Generally speaking, there are two fundamental concepts of bankruptcy, liquidation and reorganization. In Chapter seven, we liquidate your assets and your debts. If you don’t have any assets, your debts are discharged and you’re out of this process in approximately four months in Chapter 13. We reorganize your debts and assets and propose a plan of repayment over a three to five year period. There is also Chapter 11 and Chapter 12. These are also different types of reorganizations and Chapter nine, which is specific only to cities and municipalities.