Refer to Fact Pattern 12-1. Given her situation, if her income is above average Gena would likely file for a:

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Chapter 13 bankruptcy is designed for individuals with a regular income who wish to pay their debts but are currently unable to do so. It allows them to propose a repayment plan to make installments to creditors over three to five years. Given that Gena's income is above average, she would likely not qualify for Chapter 7 bankruptcy, which involves liquidating assets to pay off debts and is typically for those with lower income. Chapter 9 bankruptcy is for municipalities, not individuals. "Designment" and "derogation of duties" are not types of bankruptcy.