The Smiths, a hardworking family of four, find themselves in a challenging financial situation. Their income has decreased due to a job loss, and they are struggling to meet their monthly obligations. Their debts include credit card balances, medical bills, and an outstanding mortgage on their family home. The family needs to decide between filing for Chapter 7 or Chapter 13 bankruptcy, both of which are potentially viable options. Now, as part of your assessment, please evaluate whether Chapter 7 or Chapter 13 bankruptcy would be the better option for the Smiths given their financial situation and goals. Consider the pros and cons of each, and provide your rationale for your recommendation