Larry has a lot of bills and he is behind on a number of them, including his house payment.Although he has a job, he cannot figure out how to dig his way out of debt.Unexpectedly, his car stops running so he had it towed to a repair shop.The mechanic told him he need some expensive work on the engine.Larry sees a commercial on TV about bankruptcy.

Knowing that you took B LAW 1090, Larry asks you which type of petition to file. He also wants to know specifically if the repair costs for his car and the mortgage payments are dis-chargeable.What do you tell him?