If you have a few thousand dollars in debt and you’re getting annoyed at the calls your getting for collections you should probably realize that bankruptcy is a lousy credit solution. If it gets you out of paying your debts that is an awesome option isn’t it? No, because you’ll still get the joy of paying bankruptcy lawyers to work it all out for you, you won’t get a decent interest rate on anything new for the next 7 years, you’ve developed no personal skills in money management making it likely you’ll be back in the same boat in a few years, and there is a negative social stigma on those who go into bankruptcy. Please consider all options before you go down this dark road.
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