In the following table, indicate which items are characteristic of the Wage Earner Plan and which apply to Straight Bankruptcy. Wage Earner Plan Straight Bankruptcy Reasonable chance of paying the debt in three to five years O O Debtor may keep some assets of minimum value as defined by law O O Opportunity to start anew O O New debt payment plan to better match debtor's steady income O O Defined in Chapter 13 of the U.S. Bankruptcy Code O O Most common personal bankruptcy O O