Paul Caston is a bankruptcy attorney in Hattiesburg, Mississippi who helps individuals file for Chapter 7 or Chapter 13 bankruptcy. Chapter 7 involves liquidating assets to pay off debts, after which remaining debts are cancelled. Chapter 13 creates a 3-5 year debt repayment plan where debtors pay back a portion of debts based on their income and expenses. Chapter 7 is generally for those unable to pay debts, while Chapter 13 provides more time for those able to repay debts over 3-5 years.