Member of: "NATIONAL ASSOCIATION OF CONSUMER BANKRUPCY ATTORNEYS" "ASSOCIATION OF TRIAL LAWYERS OF AMERICA". The civil extra-contractual, broadly speaking, is what is commonly known as "damages" that is, is the area of law that is responsible to compensate or repair the damage that one person can lead to another. He is known as extra-contractual, because it is a civil obligation contracts without agreement, that is, beyond the contracts. About Bankruptcy Law you can benefit from protection under the Bankruptcy Act under Chapter 7 or Chapter 13. Eligibility for each of the chapters depend mainly on the level of income of the debtor and any difference between the market value of the property of the debtor and the mortgage balance difference.