Marissa and Oswald have a home mortgage, two car loans, and they are paying on 10 different credit cards. They both have jobs, but they just don't make enough to pay the bills. They have decided they need to declare bankruptcy, but they don't want to lose their house or any of their other possessions. Which type of bankruptcy would best meet their needs?

		a. Chapter 13 (wage earner plan)
		b. Chapter 7 (straight bankruptcy)