Plenty of New York residents are struggling to meet their debt obligations. If you are one of them, you are likely looking at all of the relief options the may be open to you, which has brought you here. Few options may sound good, but which makes sense for what you are trying to accomplish? For example, Chapter 7 and Chapter 13 bankruptcies can both offer immediate debt relief, but they do it in different ways. Which should you choose -- if either?