Hello, I believe I should file bankruptcy because the bank here is foreclosing on an investment property. I'm definitely not interested in being stuck over for a judgment simply because I'm a guarantor on this loan. However, I don't owe any kind of debt as such like say credit card debt and likewise. Would like to surrender property through bankruptcy, hence looking to file a Chapter 13. Chapter 7 can't be considered for I make way too much for it. Now since there aren't any credits or any such thing worth paying, hence is it necessary to go ahead with paying a 60-month money plan to the trustee?