Josh: So then why is it that I would choose one over the other?

Samira: Well, you really can’t choose one over the other. I need to look at your entire financial picture in order to tell you which one is best for you. And the reality is, as I said, if I were to choose, I’d prefer to put everybody in a chapter 7 simply because again you don’t pay anybody anything. But if you’re trying to save a house, then it’s different.